policy on the Newport residence required that the house be occupied and that because the house was vacant the policy would be cancelled effective November 3, 1981.  Mr. Arms testified that he did not attempt to seek other insurance coverage and that at this time he had "no prospect" for selling the Newport residence.


10
On the evening of October 21, 1981, a fire occurred at the Arms' Newport residence.  This fire, which originated in the rear of the house, caused significant damage but did not irreparably harm the residence.


11
On October 30, 1981, a second fire occurred, this time originating in the front portion of the house.  After this fire, the residence was irreparably damaged.


12
Mr. Arms testified that at the time of both fires he was inJonesboro, approximately 50 miles away.1


13
State Farm called Grover Dunn to testify as an expert witness.  He testified that chemical analysis performed on samples of debris collected after each of the two fires revealed the presence of hydrocarbon accelerants, such as gasoline or kerosene, in seven out of the nine samples.  He also testified that upon arriving at the Newport residence after the first fire, he smelled an odor characteristic of gasoline or kerosene.  Mr. Dunn further testified that in his opinion both fires were of an incendiary origin.


14
Richard Snyder, a Senior Field Claims Representative of State Farm, also testified for the defense.  He stated that, upon arriving at the Newport residence after the first fire, he smelled an odor characteristic of gasoline or kerosene.