I don't post much just read to try to learn something. For me; the learning part in this horrible tragedy is the cause of the fire. My opinion is; as fast as this fire spread, over a large area, this has some appearance of an electrical fire, similar in how RV's burn to the ground in minutes.
Speculation: an electrical short occurs in a wire/cable concealed inside a cavity (a wall as an example) with a limited amount of oxygen. Circuit breaker doesn't "trip" allowing the entire wire to heat up (similar to how a toaster element works) causing the construction materials to smolder. Once air (O2) gets to the smoldering materials, the entire area could combust all within a few seconds. What fueled this fire?
I have no idea if they were running on AC generator power or battery/inverter power. I have no idea of the construction of this boat's structure but kind of looks like a wood skeleton with fiberglass inner and outer skin. Was the boat air or hydraulic controlled from the wheel house? Location of electrical cable, air lines, hydraulic lines? What I feel I do have a grasp on, is this fire went from passive to very active and in a very short period of time covering a relatively large area, almost like a flash over but they don't generally happen in open/ventilated area's.
Like everyone else just pure speculation but some food for thought.
Thoughts a prayers to all friends, families and responders of those lost.