If you got a denial letter when you put in your claim, it's normal to be devastated. Understanding why a fire claim could be denied is vital to figuring out your next step. The most common reason why a company might reject the claim is that they believe you may have had something to do with the fire, or they believe that you didn't maintain your home up to a standard that promotes fire safety. Much of this deals with common sense, such as not lighting fireworks in a kitchen. Another common reason why the claim could be denied is a lack of evidence that you tried to contact the authorities. For example, if you had a fire and never called the fire department, many insurers will raise an eyebrow and ask why.