karl kent, who was the investigator for california department of forestry, he had a lot of questions the cause and who started this fire. >> and it didn't help that karl had taken out an insurance policy on christina just weeks before that deadly fire. >> karlsen went to an insurance agent and bought a $200,000 policy on his wife. >> the fact that the policy was purchased 19 days before christina's death i think rang the alarm bells in the head of state farm insurance. >> state farm brought in ken busey. >> typically i'm hired by an insurance company to answer what the cause of the fire is. >> when that investigator looked at that severely burned light, he was able to determine that the filament had not been energized at the time of the fire, meaning, the light wasn't on. >> if a bulb is off, of course, it's not apt to be the cause of the fire. mr. rl story, it simply couldn't have been true. >> ken buske turns his report in em,e's cnc this is no accident. >> but for whatever reason, that report didn't stop the insurance company from paying out the claim. >> karl was paid $215,000, an