No apparent sign of forced entry. Large, outstanding utility bills or property taxes. Property is part of divorce settlement, argument, or agreement. Property in disrepair, condemned, or to be demolished. Property, normally close to premises, is moved just prior to loss.
Fire department reports fire cause is incendiary, suspicious or unknown.
Evidence suggests use of an accelerant. Fire with multiple points of origin. Windows and doors opened for ventilation. Fire conceals another crime such as burglary or murder. The insured had a loss at the same site within the preceding year.