How legally do you spend home insurance claim?

Answer 1

This will depend in part on what the claim is for. If it was a reimbursement of previously paid expenses, then you have already "spent" the money. If it is pre-payment for services, you will need to spend the money on the services specified. If it was a claim settlement for damages or lost property, the insurance company doesn't care what you spend it on, whether it is replacement of your valuables or something else entirely.