Pklease help

Hello my family lost our house to a fire back on March 14, 2010. About 2 weeks after the fire the fire dept. said their investigation was done they were just waiting on the insurance co. to conclude theirs. We cooperated with the insurance co giving them anything they wanted we done and euo statement. Any time they asked for anything they said it was jusst standard procedure, not once did they indicate they suspected arson. In September we got a letter from the zoning inspecter in our city telling us we had 30 days to get violations taken care of at our property, so I forwarded the letter to the insurance adjuster with in days he gave our builders the ok to have the house torn down. Then in December we found out from the attorney that we took to do our euo statement that they suspected us of burning our house down. My question is how can they tear the house down then come out and say hey we are denying your claim because we feel you had the motive, means, and oppurtunity to set fire. If arson was ever expected how come the fire dept. or police never continued on in a more detailed investigation. The investigation was done by the insurance co. We have still never been told how the fire started or where. Yes we did have a past of a poor financial history, but we have 5 kids and could never do anything like this. Sorry abour the mess that was sent in first porst.