Insurance & Mortgage Nightmare

So back in May my house got hit by a Tornado. Did significant damage to the entire property. Took me several months of weeding out contractors to even get a roof on my house. Insurance gave me 40k so far. I spent around 5000 for tree work and debris removal. My insurance released the depreciation and my mortgage company is holding it now even though it was for the roof. It's 14,500. I did pay the roofers 6700 upfront what originally was alloted. Roof was 21,000 for house, shed, and porch they redid. My mortgage company assessed the work on the house isn't complete. It's at 30%. They want it to 65% before anymore funds are released and at 100% all of it. So if I pay the roofers the 21,000 combined with the other $ I spent. That leaves me about $14000 to get the rest of this property done and it's impossible and the nightmare it will take to even get the checks issued to me is weeks if not longer. Inspection, then it's reviewed, then more time to issued, then mailed. So far I'm in a deadlock with the Mortgage company and the Roofers. Roofers have said they can file a lien. My question is how to get out of this. I do not have the $ to fix it out of pocket And if they file a lien, can the mortgage company foreclose if I'm current on payments.