I too am having a hard time visualizing and believing this. Where did this happen? Do you have a link to news accounts of these events?
This happened in Ocean Beach on Fire Island, New York. I only found 1 link but it had not mentioned the cause.
Fire Island is a barrier beach on the South coast of Long Island surrounded by the Atlantic Ocean and The Great South Bay. This is a harsh environment for any home. I'd say less than 5% of the homes on the island as a whole are occupied all year. The others are occupied June through September.
Probably the real problem is that Fire Island isn't as high a priority for the POCO being that there are so few yearly residents. A break in the bonding between the primary and secondary neutral is highly possible. I don't think so but if there was a small corroded break in the bonding wire, would that be detectable by any other means than a visual detection? My goal here is to create a way to protect a house should a breakdown (like the incident of my original post) of the POCO's equipment occur. A homeowner would be responsible for their own secondary protection installed at their house. This would also be easier to maintain because that equipment would be at ground level, easily visible by all. In other words, a break in a wire would more likely get replaced if it wasn't at the top of a telephone pole - barely visible by someone looking for it.
I got a phone number of the Ocean Beach F.D. and will give them a call today to find out the "official" cause of the fire.