So the day our house burned down...obviously it was a chaotic next few days and weeks just getting out feet on the ground. One of the major issues was determining the cause of the fire. Originally, the Fire Marshall told me it would be determined lightening, many neighbors saw it and even a worker on a near by high school working on the roof, drove to my house and told the FM that he saw it hit...it was definitely lightening. But when you talk to the insurance people, they