I used to be in the insurance rstoration business.
Home owners who set their own property on fire always get exposed. They may thnk they have a perfect plan, but insurance company fraud investigators know all the “tricks” property owners try.
The number one clue is the absence of personal items that have sentimental value that cannot be replaced regardless of the cost. Burn patterns and the use of accelerants can also be obvious clues.
Insurance fraud investigators and arson experts have seen it all.
I did that for a while - only focused on Worker's Comp cases. Somewhere around 80-85% of the cases I worked were questionable at best, outright fraudulent at worst.