You have two different options you should explore.  The first is to have an attorney look at your policy to make sure that your insurance company is honoring your policy parameters.  Some insurance have made short-changing their clients a fine art.... but sometimes an attorney can help "encourage" them to honor your policy.Your second option is to sue the juveniles through their parents or in addition to their parents.  Even though the children have limited funds, their parents are liable for the damage they caused.  You can do this through a civil suit with a private attorney or you can contact your district attorney's office and see if they can require repayment as a condition of their juvenile arson cases.