This article examines several motives that exists for insurance fires. To begin with, and perhaps the most common motive, is a precarious financial condition brought on by business reversals, or brought on by other conditions, among which is high living. The suspect may be living beyond his means. He may have overstocked the store with seasonal articles, and the articles failed to move, as he anticipated. The need for ready cash is another motive for a fire. And again, the fire may be motivated by the desire of the owner to quickly liquidate the business, or the motive may be the settlement of an estate, or the dissolution of a partnership. Regardless of the motives in the insurance fires, the fire will follow a certain pattern. The modus operandi will vary as to the desired results. In a large building where a complete loss was desired, something must be done to aid the progress of the fire, such as various plants, trails and inflammables. In a smaller establishment, such as the retail stores, mercantile establishments, garment factories and other similar businesses, there is seldom the elaborate preparation as would be necessary in larger places. As a general rule, in the insurance fires, there need be no hurry to make the arrest. Seldom is there an open and shut case at the time of the original investigation. Confessions are rare in this type of fire, as the criminal has so much at stake. He prefers to take his chances in court and because there is such a large amount of money involved, usually in the thousands of dollars, he gets the best legal talent available. However, one of the most important and successful ways to combat fires of this type is to have trained arson investigators available 24 hours a day, so they can respond at the time these fires occur. The reason for this is that the investigators can take photographs of the evidence and secure same before it is disturbed by the fire fighters.