Either the "expert" is wrong or the pilots who witnessed the event were wrong.
Both are wrong. The "witness" would have been able to see around the earth curvature, as has been stated several times here.
And the "expert" with the kerosene ruling out a fire on board is wrong as well with his conclusion: If he would be an expert, he would know that there are several tanks on board. Burning the one would not automatically imply the others would burn as well. They sure can get to the surface in one piece, breaking there at impact.
I personally do not believe in an on-board fire or explosion as well, but the way of conclusion above is downright wrong.
"Experts" and witnesses...