State Police Fire Marshals and troopers say the fire started in a second floor bedroom.
They say it was started by a lighter being used by Dzoch's 5-year-old and 3-year-old grandsons.
The boys, allow with their mother Holly, made it out alive.
The coroner says Dzoch died from carbon monoxide poisoning, and ruled the death accidental.
A neighbor said the roof collapsed before a good samaritan could rescue Dzoch. She said Dzoch helped her put out a fire at her own home last summer.
Three firefighters were treated on the scene for minor injuries.
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