How to Analyze Insurance Documents in a Fire Investigation:
Claim Acknowledgement and Records Request
VP, Fire Investigation Specialist
American Re-Insurance Co.
After a loss, adjusters customarily request documents
from an insured and secure others indpendently. These documents include:
- public information about the property
- financial information
- previous claims history
- damages and estimated repairs
- personal information
- tenant information
Adjusters also typically request a number of other documents that can
be invaluable to the investigator. The accompanying Records Request form
was furnished by Richard J. McKenna of Paul C. Higgins, Inc Insurance Adjusters
of North Haven, Connecticut as an example of the records insurance adjusters
can request from the insured. These records requested by the insurance
company from the insured would be available to public fire investigation
agencies by formal request through each state's immunity reporting laws.
Sample of a Records Request
Reprinted with permission from the author.