Massive engine failure could see pieces of motor hurtling through the wings and fuselage doing serious damage and weakening the structure to the point of breaking up.
But wouldn’t there still have been time, either auto or manual for some sort of contact?
I'm reminded of the great ol' song: "Coulda been the whisky, mighta been the gin, coulda been the three or four six-packs, I don' know, but look at the mess I'm in."
Besides that, we have the "no indication of terrorism" disclaimer from the anonymous source who spoke anonymously because he needed to remain anonymous.