Help Fire Claim...So confused by Insurance and Police

I had a house fire I was told that day it was an Electrical fire and the House was turned back over to me that afternoon. I got the fire report it stated it was an electrial fire, no human involvment, no arson, etc. 4 days after the fire I got a call that the personal property and fire investigator from the insurance co. were at my house, I had a clean up Co. there so they let them in. The following day I got a call that the police were there, I was confused. My clean up crew told me that the Fire investigator from the insurance co went back in the house the following day.. 5 days after the fire took stuff from the house went outside and called the police to turn over stuff. The police are telling me that they never went in my house even though my neighbor said they were there for a few hours. I called the city law department to get a police report because I wanted to know what the insurance co took and handed over to them, I was told by the city law department that there was no police report because there were no findings and that it seems just like it has been blow out of proportion. What I want to know is can an insurance co. do this? Go in your house take whatever they want call the police and just hand whatever they want over I dont know the laws so I dont know what is legel and what isnt. Thanks