So some good news, and... hmm.. not really any bad news right now.
We just had our insurance guy come over (Hartford) and my family and I ended up asking him quite a few questions, turns out the guys who did the initial clean up weren't being entirely truthful with us.
So we won't need to actually leave the house, we can still be here and it won't poss a problem. We did find out that the original clean up crew will be charging us twice as much, so we were told that once we get that bill to send it to our insurance guy and... "They'll take care of the rest", apparently they've had a lot of problems with this particular water-damage clean up company (and I just looked them up, wish I'd done that BEFORE but I wasn't thinking about it, but they have some bad reviews in this state)
Thus while I won't have eto worry about leaving right now, I will have to woryr about keeping an eye on the next company that comes in to handle the Asbestos (which we also found out was 'only' in the walls, unlike the cleaning company which said it was in the flooring only)
I sometimes hate dealing with some companies, but I hate being lied to even more...