ORIGIN & CAUSE INVESTIGATIONS
Defensible Findings. Clear Answers
Origin and cause investigations that tell you what happened and what it means for your file.
The Problem with Traditional Reporting
Most fire investigators give you data. Burn patterns. Heat vectors.
Technical jargon about fire dynamics.
But they miss what you actually need:
“Can I close this file?”
”Is there subrogation potential? Do I have liability exposure?”
You're managing 200 files. You don't need a science lecture. You need answers you can use.
OUR APPROACH
We determine origin and cause with technical precision. But we don't stop there. We speak insurance fluency, not just fire science.
Close the file?
Coverage satisfied, findings support claim resolution.
Send to subrogation?
Early identification of recovery opportunities.
Open liability?
Exposure assessment and strategic recommendations.
Residential Structure Fires
Origin determination, appliance/electrical analysis, occupancy evaluation, and coverage assessment.
Commercial Property Losses
Complex causation analysis, multi-party coordination, business interruption support, and safeguard endorsement review.
Product Involvement
Manufacturer defect identification, preservation of exemplars, subrogation support, and expert coordination.
Catastrophic/Multi-Fatality
Life safety analysis, code compliance evaluation, spread and suppression factors, and comprehensive liability assessment.
Expertise
Common Scenarios
TRUSTING US
What You Get
Scene Examination
Comprehensive documentation from initial response through final walkthrough. We identify fire origin, ignition source, and contributing factors.
Witness Interviews
Strategic interviews that build timeline, establish occupancy conditions, and uncover policy-relevant details.
Evidence Analysis
Technical analysis of materials, products, and systems involved. We connect findings to subrogation targets and liability concerns.
Expert Testimony
Trial-tested investigators prepared to defend findings in deposition and court. Clear communication that judges and juries understand.
Claims-Smart Reporting
Reports that address coverage implications, not just technical conclusions. Safeguard endorsements. Vacancy clauses. Noticerequirements.
Why ProFire
Built for the Insurance Lifecycle
CFI/CFEI Certified Investigators
Our network includes CFI/CFEI-certified fire investigation expertise. Not just trained, but proven.
Large Loss Roundtable Review
Complex cases get senior investigator review. Decades of combined insurance-side experience evaluating findings, identifying risks, and maximizing recovery.
ProFire University Training
Standardized methodology across our network. Consistent quality from
Northeast to Southwest — not luck of the draw.
Communication That Works
Customized to your workflow. Fast updates. Consistent point of
contact. Aligned to how you actually work.
Beyond the Burn Pattern
We determine origin and cause, then evaluate what it means. Liability
exposure. Subrogation targets. Coverage implications. Strategic next
steps.
Case Complexity Range
From straightforward residential fires to billion dollar+ commercial losses. Same quality standards, scaled to the complexity of the situation.
Attorney-Ready Documentation
Reports built for litigation. Evidence preserved to Federal Rules
standards. Investigators prepared to testify and defend findings under
cross-examination.
High Standard Care
Every origin and cause investigation is tailored to the technical complexity, exposure, and unique challenges of the loss.
From scene preservation to final report, we prioritize defensible findings and efficient workflows.