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How to Analyze Insurance Documents in a Fire Investigation:
Claim Acknowledgement and Records Request

by
Joseph Toscano
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.

 
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