Will insurance cover a fire if it occurred on the same day a policy was reinstated? 
That is a very good question ! It will certainly be something that the insurance company will be very suspicious of , as it is always very coincidental when the policy and claim come in the same day . I 'd expect that they will work very hard at showing reason to doubt the fire was a naturally occurring accident that you had no knowledge of beforehand - you were n't aware of any thing that might have contributed to it , let 's say . The way I read your post , the policy was inforce for nearly an hour before the fire , so they would definitely seem to be be obligated to pay . However , I 'd bet there is a clause or some language in the policy that protects the insurer from suspicious or intentional claims , and my best guess is this is where your battle will be fought . I am not a lawyer , and would not give you any legal advice , but if they drag their feet about paying the claim you may want to have one on hand , just in case . Good luck , and thanks for asking ! 