Martha:

Stay on top of the insurance company for they can and will slow down paying on suspected arson claims. My sister's restaurant was torched several years ago. The fire marshall and other investigators cleared my sister and her family fairly quickly but the insurance company refused to pay on the claim on the grounds that they felt my sister/her husband/ and or their son set the fire. Consequently, my sister lost both her businesses and had to file for bankruptcy. Her credit has been destroyed, her wages are being garnished and the state IRS is making her life very unpleasant. What they learned after all of this was there is no law to force an insurance company to honor their policies in a reasonable amount of time - they can and do drag their feet so prevent paying out on large claims. Please be careful for I would hate to see you and your family go through the h*ll my sister and her family has been through these past 4 years.