Maybe for another topic, but how the heck is a pandemic not allowed as a reason for cancellation on Disney trips? I get they claim it is a "foreseen" event, but it really isn't seen with enough advance notice to change anything for those here losing $$. You book Disney trips months and months in advance, laying out $$ in advance. I booked trips 7 and 11 months out, for Christ sake... we didn't hear about Wuhan until December/January. If this was just your average trip, where you book it weeks or a couple months out, I get it. But this isn't an average trip.
My basic Google University knowledge believes that if you purchased insurance before the end of January 2020, you have a right to dispute this claim. If you are out $5000, that is highly worth engaging legal advice, in my Google University opinion.