Do insurance companies deny fire claims? Sometimes, but that doesn't mean you need to accept their denial. If you get denied, you have the right to strengthen your case and file an appeal. You can do this by offering more evidence, such as phone records showing you called the police, witness statements, receipts (if applicable), as well as a written rebuttal. If you find yourself in a position where the denial harmed your income, you can also file a complaint with the state insurance board. Should you get any threatening letters from the company, you may want to hire a lawyer. In some cases, a legal professional can help you get the claim pushed through and also help prevent you from being wrongly charged with insurance fraud. The more you can justify your claim, the better. Having someone else on your team helps.