Hope this helps
You can probably take the insurance money and build an even nicer and updated sunroom that would make a great selling point for your home. Price isn't always the biggest factor when selling a home. It needs to be organized, functional, and look good. Get yourself a good agent who will walk through your home to determine whether the sunroom would help sell the home or not. Just imagining it in my head, building a nice functional and stylish sunroom for entertaining probably help you fetch more $$ for your home, plus get it sold a little quicker.