CLAIMS-SMART REPORTING
Reports That Answer Business Questions
Technical findings connected to coverage, subrogation, and liability — not just fire science.
The Disconnect
Most fire investigation reports read like academic papers.
Pages of technical detail about fire dynamics, burn patterns, and heat vectors. Impressive science. But they miss the point.
You don't need a dissertation on fire behavior. You need to know: Can I close this file? Is there subrogation potential? Do I have liability exposure? What are the coverage implications?
That’s defense-focused reporting.
WHAT MAKES US DIFFERENT
We Understand Insurance
Our investigators know how findings relate to policy conditions. Safeguard endorsements. Vacancy clauses. Occupancy requirements. Notice provisions.
We don't just determine origin and cause. We connect findings to your coverage position and business decisions.
We Speak Your Language
Reports address the questions adjusters and attorneys actually ask—not just what fire investigators think matters.
Clear conclusions. Strategic recommendations. Action items you can execute.
Executive Summary
The three answers you need first: Close it? Subrogation? Liability? Everything else supports these conclusions.
Origin & Cause Findings
Technical analysis presented clearly. Where it started. What caused it. Evidence supporting the conclusion.
Coverage Implications
Policy-relevant observations that impact claim handling. Vacancy periods. Safeguard compliance. Occupancy changes. Notice timing.
Subrogation Assessment
Early identification of recovery opportunities. Product defects. Contractor negligence. Third-party responsibility. Targets and theories.
Liability Exposure
Risk evaluation and mitigation strategies. Spread factors. Suppression response. Life safety issues. Notice and instruction adequacy.
Strategic Recommendations
Next steps for claim resolution. Expert engagement needs. Additional investigation requirements. Documentation priorities.
Deliverables You Receive
What’s in our reports
Deliverables
Policy conditions we evaluate
Safeguard Endorsements
Fire suppression system requirements. Alarm system conditions. Security and monitoring obligations. Maintenance documentation.
Vacancy Clauses
Occupancy timeline establishment. Vacancy duration documentation. Policy compliance verification.
Occupancy Requirements
Permitted use evaluation. Business operation verification. Classification accuracy assessment.
Notice Provisions
Timeline documentation. Notification adequacy. Compliance with policy reporting requirements.
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Days instead of weeks
Three pages instead of thirty
All key determinations included
Option
Fast Findings Correspondence
Not every investigation needs a 40-page report. For straightforward cases, we deliver FAST findings correspondence—concise communication that gives you what you need to make decisions without waiting for comprehensive documentation.
Scene findings
Causation determination
Coverage observations
Subrogation assessment
Strategic recommendations
OTHER OPTIONS
Attorney-Ready Format
When cases go to litigation, our reports work.
Clear opinions that survive Daubert challenges. Supported conclusions that withstand cross-examination. We write for the courtroom—even when cases settle early.
We write for the courtroom—even when cases settle early.
Beyond The Report
Claims-smart reporting isn't just documents.
It's how we communicate
throughout the investigation. Verbal scene updates, progress reports, and final analyses that connect findings to business decisions.
The Three Questions
If our report doesn't answer these, we haven't done our job.
Can I close the file?
Coverage satisfied? Findings support claim
resolution? Documentation complete?
Send to subrogation?
Third-party responsibility identified? Recovery
potential assessed? Targets and theories
developed?
Open liability?
Exposure issues present? Risk mitigation
needed? Defense strategy considerations?
Claims-smart reporting means connecting technical findings to business decisions.
We determine origin and cause—then tell you what it means for coverage, subrogation, and liability. Reports that answer the questions you're actually asking.