can an insurance company deny a fire claim when the investigation done by police, fire and 3rd party cant find the cause?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jan 12, 2011

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Insurance Question from Cumberland, IN

Asked on 01/12/2011

can an insurance company deny a fire claim when the investigation done by police, fire and 3rd party cant find the cause? NULL

Answer given on January 14, 2011

It would be very difficult for an insurance company to deny a fire claim if there is no evidence of how the fire started.  They cannot assume that the cause was arson, or intentional if there is no such evidence.

You should contact your insurance agent to see if they can help you get the company to move forward on this claim.  You can also call the insurance company and speak to a supervisor to try to get the claim paid.  Anything you have from the police and fire that indicates they have no evidence of an intentional fire should be provided to the insurance company to strengthen your claim.  You should also ask for the reasoning, in writing, as to why the company is denying the claim.

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