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I don't claim to be overly knowledgeable of the NFL rules. I've refereed HS and Youth Football Leagues and I'm definitely a fan of the NFL so I'm not completely clueless either. In this case, I just think this is an interesting conversation or argument.
I believe the NFL rules says that a timeout is charged if there isn't enough evidence to overturn the call on the field. In this case, there was apparently enough evidence to say it was a fumble, which was the challenge, but there wasn't enough evidence to say who's ball it was. So, to me, Lovie got the challenge right, but there wasn't enough evidence to say who recovered the ball. So, Lovie was right in his challenge, and shouldn't be charged a timeout. I don't have a NFL rulebook, so I don't know if this is defined anywhere.
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