I have no idea why your insurance carrier would want to sign you up for a new homeowner's policy while you are in the middle of a claim process concerning your burnt down home. I suggest that you consult with an attorney who practices in the area of insurance law before signing onto any new policy with your carrier. I suggest that you keep things status quo with your insurance carrier for now until you get your claim concluded.From what you have written, it seems as though your insurance carrier may be trying to get out of paying on a claim that it may be obligated to pay on through the new policy presented to you.