Everything cabin related goes through the TA.  If you don't have a TA (booked w/Disney yourself), I'd say contact Disney.  
Although, I'm sure you'll need paperwork for the 
trip insurance to pay out.  Good idea to find out what you need before calling Disney/TA.  It should be in your policy, or you can call them.  I would do this first, but not spend a lot of time on it before contacting Disney/TA.