This article appeared in Claims Magazine, and it has been previously discussed in this forum. It is such a misleading piece that it doesn't deserve the copyright protection that using a link provides.
Here are the "about the author" descriptions:
Michael Harvey is a claims representative, based in Overland Park, Kan.
Thomas J. Hulse is a certified fire investigation instructor and is chief engineer, manager of fire protection services with Indiana University/Purdue University at Indianapolis. He also is author of Fire Origin and Cause for Insurance Professionals. He is based in Carmel, Ind.
The kind of thinking espoused in this article results in EXACTLY the kind of inappropriate pressure that makes for bad calls in the private sector.
These guys apparently fail to understand that the more you learn the less you know.
John Lentini, CFI, D-ABC
Fire Investigation Consultant
Florida Keys
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www.firescientist.com]