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. Property loss site is claimed by multiple mortgagees or chattel mortgagees. Fire scene investigation reveals an absence of remains of non-combustible items of scheduled property or items covered by floaters, such as coin or gun collections or jewelry. Fire scene investigation reveals absence of items of sentimental value, such as family Bible, photos, or trophies. Fire scene investigation shows an absence of remains of items normally found in a home or business.