Everyone is involved

There are at least four insurance companies involved. The homeowners' association insures the structure. I have personal property insurance for our belongings. I have a separate company for our cars. The neighbor has her own personal property insurance. Each insurance company has an agent, and an adjuster (determines the cost of the damages), and an investigator (determines the cause and origin of the fire).

Add to that the police investigator, fire chief, homeowners association president, the people bidding to fix/rebuild, and the homeowners and that adds up to a lot of people involved!