
When the RFD fired investigator said that the fire originated in the engine of our new F-150, our insurance company tried to get an investigation started. The trouble with this plan was that it was soooo cold during January and so much water was used in attempts to put out the fire that everything was one frozen solid block of ice. They couldn't determine anything in those conditions.
They gave us a choice: Wait and investigate when it warms up or just move on with life.
We chose to wait and investigate. We didn't do this for monetary gain - we stood to gain very little from a product liability lawsuit - we would maybe get our deductibles back as a result. We wanted to investigate further in an effort to earn back the deductibles that our neighbors had to pay to their insurance companies for the damage to their homes. We also wanted to try to determine a cause so that whatever was wrong could be fixed. So nobody else would have to go through all of this.

Waiting was not an easy road. We got to look at the burned out shell of our garage every day. Thankfully they boarded up the front of the garage and covered the whole thing with a tarp - so we didn't have to see the remains of our trucks and other belongings everyday. There were the minor little annoyances too. Since we have a single car driveway, we were constantly moving vehicles around so whomever got home first could get their car out. We had to scrape windows nearly every day. We didn't have anywhere to store anything - so our bathtub became a tool chest. The dog kennel under the deck and a blue tarp became a place to store the kid's new bikes once the weather warmed up. Our family room has become a catch-all room for the things we would normally store in the garage like Christmas decorations and Cam's old crib.
We also couldn't turn in our final list of items lost - because we couldn't go through the rubble to see if we had forgotten anything. As of right now, we have yet to see a dime from our insurance company for the more than $30,000 in personal belongings that were lost.
The investigation was scheduled for April 7 and it proved to be a nice warm day. We both took the day off from work to be available to the investigators. There were a total of 6 investigators at our house that day. There was the State Farm guy, the independent investigator, the guy from Ford, two guys from Brinx (they manufactured the timers that our trucks were plugged in to) and a guy from the manufacturer of the block heaters that Ford uses. Everyone was from MN and hired by the separate entities except for the guy from Ford. Apparently, they are busy enough with fire investigations to hire their own guy on full time!
They started by questioning Mike and I together as a group. We went through the timeline of events from that day and also went through diagrams of where things were in the garage and where we had items that were plugged in to outlets. Then the investigators opened up the garage.
After three months, old wounds were reopened. It was hard to see the shells of our trucks again and some of our belongings - definetely harder than I was anticipating.
They each walked through the garage on their own and took photographs. They didn't touch anything, just looked. Once everyone had achance to take a look and take photos, they went in as a group and started to rule things out.
Let me tell you - these guys have been around burned down buildings enough to have no fear! They were standing on top of the roof of the garage that was lying on top of our trucks and didn't seem bothered by it in the least! I didn't even like walking within ten feet of what remained, there was no way you would get me to climb up on that pile of rubble!
They spent a lot of time on Mike's truck - as we suspected. I could see them focus on the engine compartment - and then move to the wall where the timer had been plugged in. I could tell they were looking for remains of the timer (and they even found some!)
Not a lot was happening - but we couldn't take our eyes off of it either. We tried to work on a few house projects but little was accomplished.
At some point after lunch I noticed they had moved on to my Explorer. They were REALLY focusing on it. Far more than I expected they would focus on it. As time wore on, I started to wonder what they were discovering.
Around 2pm they called us back out for more questioning. The guy from Ford lead the questioning.
**How long have you had this Explorer? (we bought it new in 2004)
**Had any recalls on it? (only something for the rear diffential fluid, nothing major)
**Had any problems with it? (there was that time it drove itself out of the driveway at daycare and hit a parked car, aside from that it was the best vehicle we have ever owned...)

**Did it have cruise control (yep and we were aware that Ford had issues with cruise and fires - but our truck was never recalled for it)
Then they said that was all and we were allowed to go back in the house. They started wrapping things up a short while later.
Once everyone had left the investigator from State Farm came in to give us the findings. They were not what we were expecting at all.
They had ruled everything out. The block heater in Mike's truck did not cause the fire. The timers did not cause the fire. They couldn't tell if anything else in Mike's truck could have caused it because it was so heavily damaged. They also could not rule out the extension cord that the Explorer had been plugged in to.
What they think happened is that the extension cord on the Explorer arked for some reason. (they said it showed signs of arking - it just looked burned to me, like everything else!) It was strung over the rafters in the garage so that I would see it each morning - it was my reminder so I wouldn't back out of the garage with the truck still plugged in! They think it arked up in the rafters and something caught fire and immediately spread through the roof to the area over Mike's truck - where the roof then collapsed and made it look like the truck was the point of origin.
While this is the theory, the official results of the investigation were inconclusive. It felt like a punch in the gut. We had waited all this time - and the result was nothing like we had expected. It kind of sent us back on the emotional rollercoaster that we rode in the few weeks immediately following the fire. After a few days though, we realized that we couldn't do anything about it. We had tried and that was all that mattered.
Immediately after they left that day, we were cleared to demo the garage. Stay tuned for the demolition process....