Fire Subrogation

Subrogation of fire losses is a big business. The cause of the fire or explosion, the cause of the spread of the fire or explosion, the cause of the property damage and the cause of the bodily injury or harm are often different. With different causes, different parties may be responsible. Insurance adjusters, attorneys, and other decision makers often find that the Involvement Matrix is a valuable tool when it comes to resolving the complicated disputes and damage claims that result from a fire loss.

To be successful in subrogating a fire loss, there are some basic rules that, when followed, will help ensure a more successful outcome.

• Conduct a thorough fire scene examination
• Make sure your fire investigators utilize NFPA 921 as a guideline
• Document the scene and interview witnesses
• Determine the origin of the Fire
• Determine the cause or causes
• Secure and Preserve fire scene evidence
• Utilize an Involvement Matrix to help understand responsibility