Insurance companies may deny fire claims because: 1) They say that the insurance coverage you’re relying on doesn’t apply to the fire damage. 2) They claim that you, or someone else, set the fire intentionally. 3) They claim that the damages you’re seeking coverage for were not caused by this specific fire. 4) They claim that defective design of your property led to the fire, and that the defect voids the terms of your insurance policy.