The Critical Role of Fire Investigators in Insurance Claims: Why Timing Matters

In the aftermath of a fire, the investigation process is when the origin and cause of the fire can be identified. However sometimes we cannot. 

Once public agencies, such as the police and fire services, have completed their work and released the scene, the property is typically handed over to the owner or occupant. They then contact their insurer and there is an increase in the cases where restoration or make-safe crews frequently arrive before we do, which can complicate the investigation process.

The Impact of Restoration on Investigations

For professionals in the insurance industry, it’s essential to understand the implications of this scenario. Once a fire claim is identified and an assessor or adjuster is sent to the scene, I urge you to advocate for the allocation of a fire investigator as soon as possible. The reasons for this are twofold:

1. Scene Integrity: Restoration or make-safe activities can significantly alter the scene even further after the local authorities have done their work. When restorers/make safe crews begin their work, they may inadvertently disturb or clean up evidence that is related to the circumstances involving the fire and also may prevent the determination of the fire’s origin and cause. This can lead to a situation where the investigation is not able to be carried out.

2. Claims Process Complications: If the investigation is compromised, it can have a lasting impact on the claims process. Without clear evidence, determining liability or identifying potential recovery options becomes increasingly difficult. This situation may result in the denial of claims, paying out fire claims that may have been intentionally set or loss of recovery.

The Importance of Early Engagement

It is crucial for insurance professionals to prioritize the involvement of fire investigators early in the claims process. Here are a few strategies to consider:

• Communicate the Need: Ensure that all parties involved in the claims process understand the importance of a timely fire investigation. This includes adjusters/assessors, and restoration crews. By engaging in open communication, you can help to ensure that fire investigators are brought in without delay.

  
  

• Educate all insurance professionals: Provide education and resources to your team about the role and value of fire investigators. Highlight how their expertise can aid in accurately assessing claims and preserving the integrity of the investigation.
  

• Change existing internal processes: Consider changing processes within your organization that mandate the immediate involvement of fire investigators when a fire claim is identified. This proactive approach can streamline the claims process and protect the interests of all parties involved.

The timely engagement of fire investigators is essential in the aftermath of a fire. By advocating for their involvement as soon as a fire claim is recognized, insurance professionals can help preserve the integrity of the investigation and support a smoother claims process. Remember, the sooner a fire investigator is on the scene, the better the chances are for accurately determining the origin and cause of the fire, which ultimately benefits everyone involved in the claims process.

By working collaboratively, we can ensure that fire investigations are conducted effectively, protecting the interests of both the insurer and the insured.