Investigation of cause-origin of the fire

The cause-origin investigation seeks to answer two questions: where the fire started (origin) and why it started (cause). It is the technical basis for any subsequent claim, whether against the insurer, against a third party or in legal proceedings.

The expert’s work is based on the observation of the vestige, the reconstruction of the progress of the fire and the reasoned exclusion of other hypotheses. It is not about assuming, but about documenting.

Expert methodology

The analysis usually follows an ordered sequence, adapted to the type of loss:

• Inspection of the stage and surrounding areas.
• Exhaustive graphic documentation before moving remains.
• Study of the calcination pattern and directional indicators.
• Delimitation of the starting focus or focus.
• Analysis of possible ignition sources in the defined focus.
• Reasoned discard of alternative hypotheses.

Indications that are studied

Each element provides information about the dynamics of the fire:

• Combustion patterns on walls, ceilings and furniture.
• State of the electrical installation and appliances.
• Remains of nearby accelerants or combustible materials.
• Behavior of glass, metals and plastics.
• Testimonies from witnesses and the fire department.

These signs intersect with each other. A single piece of isolated data rarely allows us to conclude; The whole is what gives the report technical solidity.

Delimitation of focus

Correctly delimiting the focus is essential. An error here compromises the entire investigation. Therefore, the first visit to the site should be carried out as soon as possible, without removing debris or carrying out cleaning that would destroy the vestige.

If the loss has already been removed or cleaned, the report must be based on previous documentation: photographs of the report, fire department reports, minutes of the insurer and statements.

Useful documentation

• Full of firefighters and security forces.
• Photographs and videos of the loss.
• Insurance policy and communications with the insurer.
• Company expert reports if they exist.
• Invoices for recent installations or renovations.

Limitations of the report

The expert report is technical. It does not determine legal culpability or resolve procedural issues. If the objective is to claim in court, it is advisable to coordinate with a lawyer from the beginning.

Next steps

• Please refer to full engagement process.
• Review fire specialty and other insured risks.
• Contact to evaluate your case at contact or from the help center.