Lost our home

Hello, we are a young family. We are both working and our baby is now 11 months old. We just bought a house and began to create our dreams. But what happened then is incredible. The police suspected, because they didn't find what they were looking for, they created a fire. The children's room, the living room and the kitchen totally burnt out. Since now the insurance don't want to pay, because they say we were not high and long enough insured. Until the court decides it can take a long time. But it's our first Christmas as family. We want to set up our house again as soon as possible. There is no thinking of Christmas, or even for the first birthday of our little son. This is our last chance for a little Christmas miracle. Hope someone can help us.