What an awful thing to happen, my heart goes out to the family, as regards blame I don't think it is the time or place to presume anything imo
grief comes 1st and then the time to determine the cause after that.
clip/conduit your cables in the lofts... seen too much mess around, start pulling a christmas tree from the loft, pull some lighting cable out from the fitting or loose chocblock, some rewireable fuses wont help you much either :-(
These Official Forum Sponsors May Provide Discounts to Regular Forum Members - If you would like to sponsor us then CLICK HERE and post a thread with who you are, and we'll send you some stats etc