We had a house fire just about a year ago where the homeowner was trying to blame us through the contractor working on our system. The home is in a rural area where two circuits happen to tie together. The contractor was working on the circuit that was not feeding the membber, but only about a 1/2 mile away. When the fire call came in, we dispatched the contractor because he was closest. All he did was open the cutout feeding the transformer.
The homeowners's insurance company was claiming that a surge was caused by working being done by the contractor. We, with the contractor brought in our own expert to investigate. There was a surge in the panel, but it was caused by the neutral failing in the panel. I'll look at the report to see the brand, it had something to do with the design of the neutral buss in this panel. The style no longer met code anywhere. But the expert for the insurance company recognized the problem right away from the brand of panel and the way the fire burned the panel. Both sides seemed pretty sharp about what they were checking. It was interesting to be a part of it.
Note to self, just because it pops into my head doesn't mean it should come out of my mouth.