Your investigator just sent the report. Origin and cause: accidental. The fire started in the kitchen from unattended cooking. File closed, claim paid, everyone moves on. Except buried in that same report are three details that should've triggered a subrogation investigation. The stove was seven years old but installed incorrectly. The tenant mentioned the burner "acted weird" for weeks. And the property owner replaced the entire electrical panel two months before the fire. T