Destroyed house in the earthquake

In the earthquake who hit the Croatia at the ending of the last year our house is half destroyes. Before two years we got a credit from the bank to buy this house, and now we need to fix it. Husband, 3 year old kid and I (pregnant) live downstairs but the upstairs are in very bad condition. Construction workers said it is best to knock everything down and make new roof. We are in hurry to fix this because I'm pregnant. Government is trying, and it is apsolutely right, to make houses for people whos homes are knocked totally down in the earthquake. We are at the end of the list, we could wait for help for years.