Fires and other insured risks (IRD)

The category of fires and other insured risks (IRD) groups together the most common losses that affect homes, premises, industrial warehouses and vehicles. A standalone expert report helps document the cause, define technical responsibility, and quantify damage with professional judgment.

This guide brings together help articles related to this specialty. Each section explains when it is appropriate to request a report, what is analyzed and what documentation is useful to provide.

What is included in this specialty

• Investigation of cause-origin of fires in buildings, vehicles and ships.
• Water damage: leaks, pipe breaks, flooding.
• Theft, vandalism and damage caused by third parties.
• Economic assessment of material damage.
• Controversies with the company insurer and counter-expertise.

Items available

• Investigation of the cause-origin of the fire.
• Damage due to water, seepage and flooding.
• Theft, acts of vandalism and damage by third parties.
• Damage quantification and adjustment with the insurer.
• Discrepancies with the company: counter-expertise.

When is an IRD expert opinion appropriate?

• When the company denies coverage or reduces compensation.
• When there is doubt about the real cause of loss.
• When a report is needed for a judicial or extrajudicial claim.
• When there are indications of responsibility of a third party (neighbor, contractor, installer).

What we prepare with you

• Chronological description of the loss.
• Graphic documentation: photographs, videos, sketches.
• Communications with the insurer and designated experts.
• Invoices, budgets and documentation of the affected property.

If the issue depends on a specific procedural strategy, it is also advisable to have a lawyer. The expert report provides the technical basis; The legal decision corresponds to legal advice.

Next steps

• Please refer to ordering process to learn how to request the report.
• Review the full specialty page with the detailed scope.
• If your case is urgent, use the contact page or write through the help center.