What Every Property Adjuster Should Know About …

Fire Investigations:

  1. Fire investigations are governed by NFPA 921, published by the National Fire Protection Association.  NFPA 921 is a guide for use by investigators and is not a legal document.
  2. Fire Investigators are certified as Certified Fire Investigators (CFI) or Certified Fire and Explosion Investigators (CFEI).
  3. In the state of Tennessee, fire investigators are also required to be licensed by the state as private investigators.  If necessary, check your state to see if additional licenses are required.
  4. Fire investigation of a structure (or vehicle) is the responsibility of the law enforcement authorities.  Only after the authorities have released “the scene” can a civil investigation proceed.
  5.  Acceptable conclusions for the cause of a fire include intentional, accidental, and undetermined.
  6. There are times when the cause and origin of a fire are not as important as determining if your insured can be implicated in the cause.  Situations do arise where several parties are affected by a massive fire.  Although the cause and origin might not be determinable, it is prudent to determine if the insured can be held culpable.  Sometimes it’s about whether a product is under warranty or who did the work.  These scenarios assume that a fire cannot be attributed to arson or vandalism.
  7. Evidence must be handled carefully.  All parties identified in connection with a fire investigation have to be given notice and allowed to participate in any examination of evidence taken from a fire scene.

The pictures below serve to illustrate some of the investigations that we have been involved with.

Fire Damaged marina, several boats involved, cause and origin undetermined, insured boat owner eliminated as potentially culpable party

Paper Shredder thought to have been the cause and origin of a residential fire due to poor maintenance

Dryer Fire due to accumulation of lint

Fire in senior living center due to electrical short in room A/C unit

Residential structure explosion due to broken gas line

Residential structure fire due to misuse of stove
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Hyundai Recalls Vehicles Due to Fire Risk

Hyundai Motor America has recalled approximately one half million vehicles as a result of engine problems that pose a fire risk.  The National Highway Traffic Safety Administration (NHTSA) has announced that approximately 380,000 Kia Soul and Sportage vehicles will be recalled by Hyundai.  The Kia Soul vehicles are equipped with 1.6 liter engines and can operate at higher than normal exhaust gas temperatures due to abnormal combustion.  The elevated exhaust temperatures can damage the catalytic converter as well as ignite combustible material such as oil, fuel and plastic.  The affected year models are 2012 through 2016.  NHTSA has also announced that Hyundai is recalling approximately 120,000 Tucson vehicles for a potential oil pan leak.  The Kia Sportage is also being recalled for this same problem.  Oil leakage in the presence of an ignition source, such as a hot engine, can pose a fire hazard risk.  The affected year models are 2011 through 2012 for the Sportage and 2011 through 2013 for Tucson vehicles.

For additional information, owners can contact Hyundai Motor America at 855-671-3059 or visiting https://hyundaiengineinfo.com.

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