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.