Industry Articles & News

Tips of the Trade: Fire Subrogation Fundamentals

Are you forgetting a basic step that could help you find more subrogation? What can you do when you suspect subrogation may be an option? The following tips can get you started, or finished, the next time you’re thinking about subrogation after a fire: 

  1. Ask about significant events that occurred prior to the fire. Asking questions about what happened in the hours, days or weeks before the fire can uncover vital information that could raise red flags about possible subrogation. Was a new appliance just installed? New insulation or electrical work? Did the insured use a space heater or bring new products into the area? Coincidences happen, but in many cases these events are important to determining the cause of the fire.
  2. Look for recalls on the product(s) in question. If you already have an idea about a product that may have been the cause of a fire, and you can determine the make and model of the product, there are multiple websites you can use to find out if there are any recalls. We prefer to use, the website for the Consumer Product Safety Commission. Of course, skilled fire investigators may also know about trends in products that have not been recalled yet.
  3. Secure the scene. If you have any question about the cause of the fire make sure the scene is secured. We understand that property owners want to get everything back to normal as soon as possible, but a secured scene will protect your chain of custody and help your fire investigator accurately determine the cause of the fire.
  4. Talk to an expert. Of course you won’t be able to pinpoint the exact cause of a fire with a phone call, but at times a quick discussion or preliminary review of photographs can rule out a particular cause or confirm your thoughts that things don’t seem right.

If you still have questions on your explosion or fire investigation claim give us a call. One of our investigators will be happy to discuss you specific situation at no charge!