Are you REQUIRED to give insurance money? No one in the organization is REQUIRED to do anything. When tropical storms affected homes here in Texas, I have friends who decided that they would simply have their homes repaired by an independent contractor with their insurance check and others who decided that they could use the money to both have their homes repaired by brothers and have the insurance money help others in need.
Are we discouraged from helping others? The bible states that we should especially helps "those in the faith" - so we strive to help our fellow brothers in the faith. This does not in any way mean that we cannot help others, simply that we will help our brothers first, that is logical - we know and love them dearly.
Also, keep in mind that in Florida, we cannot simply jump on someone's roof to make repairs. You are required to have a permit to be a roof contractor in Florida. Since we are not roofing contractors, we have to meet specific rules involving our relationship with the homeowner. Bypassing these laws is punishable by jail time and monetary fines. That is a major reason why a lot of witnesses are not jumping on random roofs and making repairs in Florida.
How do other charities work and do they use insurance money to continue to fund things? I have no idea - I can tell you that they have to pay for salaries for their administrative branch and a lot of funds do not reach the intended recipients. If an insurance check is used to help others, or maintain a fund that prepares for upcoming disasters, is that not acceptable to you?