I had a restaurant that got complitly destroed the insurance that we pay every month is not paying out for the demage who should I talk to It been about 3 years of dealing with this .Is there any company who take care of bad insurances?

Get a lawyer and sue the carrier.

3 years, why are they not paying, was it because of possible cause of the fire? Posible arson?

But you can contact the Director of Insurance for the state.