. >> state farm brought in ken buske. >> typically i'm hired by an insurance company to answer what thehe fire is. >> the story they related to me, at least initially, made sense as a story -- that the hot bulb from the trouble light could ignite the kerosene soaked into the carpet. >> reporter: but you know, when that investigator looked at this severely burned light, he was able to determine that the filament had not been energized at the time of the fire, meaning the light was not on. >> if a bulb is off, of course, it's not apt to be the cause of a fire. mr. karlsen's story simply couldn't have been true. >> so ken buske turns his report into the insurance company telling them he's convinced that this was no accident. >> this was a set fire by a human being. well, we clearly know there was only one human being capable of starting that fire. >> but for whatever reason, that report didn't stop the insurance company from paying out the claim. >> karl was paid $215,000, and it was not explained why their recommendation to not have him be paid out was overlooked. >> the insurance company