Will insurance cover a fire if it occurred on the same day a policy was reinstated? 
The start date and time is the exact moment that coverage begins . If a loss occurs within minutes following the start date and time , the company would be obligated to cover the loss . As you can imagine the claims department will probably look quite closely at the circumstances to determine if fraud was involved in any manner . Fire is such a rare occurrence that a fire happening immediately following reinstatement would raise suspicion . 