When we asked about the insurance I was told he didn't pay the insurance. We lost everything and now I don't know what to do. I really do not want to cause more trouble with the family but my wife is upset. Do I have any options or is it a simple he said she said deal here? There is nothing in a contract it was all verbal. Not to mention the whole house was remodeled except for the garage. That was the last project to do. (This is where the fire started) I am ready to cut our losses and move on but my wife is not! She does have a point about losing all of our stuff hence why I am here asking?