My family feels your pain more than you know. We are going through a very similar situation now, involving our neighbors. We have no protection from law enforcement or the State Fire Department Agency. They have become as big a problem as our neighbor's to the point that we are in fear of living in our home for the past 3 years, yet still paying a mortgage. Our home was also underinsured with no living expenses on our policy. This is due to previous arsons on our property. Law enforcement agencies are condoning arson's in our neighborhood for the past 15 years. Now, how could you not catch an arsonist after 15 years?!!!! They admitted to my family and friends they know who the perpetrator's are but refuse to do anything about them. What they did do was arrest the homeowner for Arson/Insurance Fruad!! My family has incurred extensive monetary loss, emotional stress, our character is defamed and slandered. Our name has a "black mark" all over it according the the law. The criminal charges were eventually dropped. We than called the States Attorney's office asking to schedule an appointment to talk with them and show them evidence of who the arsonist is. We were denied an appointment. We have no option now but to pursue lawsuit ourselves. This "BLACK MARK" on our families credibility cleared. JUSTICE WILL BE SERVED....NO ONE IS ABOVE THE LAW!!!!!!!!!!!!!!!!!