You might be surprised how little the insurer cares.They will send out investigators but they have to have 100% proof and and the arsonist has to be someone with lots of money for them to care. The insurers interest is in denying the claim or getting “subrogation”. Both are practically impossible to do given the uselessness of law enforcement today and the defenses someone can put up against subrogation. Your premiums take care of the insurance company.Someone might get caught in this case but it is not the norm.
