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Hi and welcome to JA. I am Ray and will be the expert helping you today.
The owners have to prove he was negligent here.If the report is inconclusive they may have trouble blaming your husband You would have some good facts to defend the matter if your husband was not there and the source cannot be traced.It is possible it was an act of god here , a regular electrical fire not caused by anyone.
If the insurance company sues he will have to defend.I cannot see based on what you present that they can necessarily link him if the cause was electrical but no source identified.I am assuming it is possible a electrical or other appliance could have caused it and is as likely as anything he did.Your husband may need his own lawyer to protect him and argue no negligence.
Lawyer referral here..
I appreciate the chance to help you today.Please let me know if you have more follow up.Thanks again.