I will attempt to explain this for the pathetic intellects conforming to the herd mentality, which prevails on this site. An insurance company is created for PROFIT. Insurance companies do not, and are not obligated to, pay a claim, if the cause of the loss remains in question. All large property/casualty insurance companies employ claim investigators, who are far more thorough than state investigators. They are on the company payroll to help prevent fraud and save the company money. Their investigations into situations, in which the cause is listed as "undetermined," "suspicious," or "arson," are lengthy, intrusive, and, in most instances, successful. It is rare that a perpetrator escapes, especially if the criminal is the policyholder.
A building is insured for its replacement value. This means that, AFTER the investigator has determined that there was NO wrong doing on the part of the policyholder(s) , claim adjusters are called in to determine the least expensive and most appropriate method of restoration. This process could last for months. In any case, a "cool 1.5 million" will NOT be paid to any individual in a lump sum and NO insurance claim will be honored, until the last t is crossed on the adjuster's forms. Once again, this could take months, as contractor bids must and will be gathered and assessed, lost equipment and personal property lists must and will be gathered and assessed. I am sorry to ruin your conspiracy party, but that is the way things work in the "real world." The fornits created persona of Dr. B would seem to negate such a sloppy criminal mind as the one depicted on this thread.
This tragedy has caused much hardship for HLA and Dr. B, in particular. However, the school was started with 10 students and the low enrollment means far more individual academic and therapeutic attention may be paid to each student. In addition, text books and other teaching materials can be "emergency" ordered and the facilities exist to house appropriate, constructive learning spaces.
Before the subject arises, I will also state the obvious. Fewer students require fewer teachers, counselors, and support staff. As the student population begins to increase, so too will staff members. Student enrollments will increase, as soon as this baseless litigation is inevitably dismissed.