Fire Claims

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Explore By Topic

Adjuster Tips

Adjuster Tips

Learn more tools of the trade to manage claims and detect misrepresentation indicators through adjuster tips, customer service best practices, and the basics of handling specific types of complex claims.

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Appliances

Appliances

Find out more about the different types of appliances policyholders include in claims, including how they work, common causes of loss, and methods to return them to pre-loss condition.

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Auto Claims

Auto Claims

Check out auto claim-related materials to help assignments you may be working on. They reference vehicle fire investigations, crash reconstruction, CDR services, or even questionable claim details.

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Cause of Loss

Cause of Loss

Discover resources that will help you accurately determine cause of loss. The materials cover uncommon causes of loss, perils misreported as something else, and specialty assessments.

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Claim Investigations

Claim Investigations

Discover our articles, guides, and more that will help you improve your claim investigation techniques, spot potential misrepresentation, and resolve claims with confidence.

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Codes & Regulations

Codes & Regulations

Stay up to date on the codes and regulations that may impact claims or property investigations, including efficiency rules, building codes, or fire inspection standards.

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Commercial Equipment

Commercial Equipment

Explore content that covers how to address potential losses related to commercial structures and equipment. They include HVAC systems, walk-in freezers, economizers, business-critical equipment, and more.

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Component Failures

Component Failures

Learn more about evidence management and the specialized testing that can help answer product failure questions.

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Consumer Electronics

Consumer Electronics

Review guides, articles, and other resources about consumer electronics included in claims, how they work, common perils, and repair or replacement recommendations.

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Electrical Equipment

Electrical Equipment

Discover how a variety of frequently claimed electrically powered equipment works, common causes of loss, and methods to return it to pre-loss condition.

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Fire Claims

Fire Claims

Learn more about origin and cause investigations, what fire inspectors frequently see during inspections, and how this peril impacts specific types of equipment and property.

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Forensic Engineering

Forensic Engineering

Review resources about structural and mechanical damage and what licensed engineers look for at commercial and residential properties.

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Foundations/Ground

Foundations/Ground

Find out more about how soil, land changes, and basements and foundations impact structures and what investigators look for.

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Hail and Wind Claims

Hail and Wind Claims

Discover how hail and wind impact HVAC systems, electronics, and structures on residential and commercial properties – and why policyholders confuse them with other losses.

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Hurricanes, Tornadoes, and Other Disasters

Hurricanes, Tornadoes, and Other Disasters

Find out more about catastrophic disasters and the losses they leave in their wake, including how they impact equipment, structures, and other property items.

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HVAC Equipment

HVAC Equipment

Better understand both common and rare, complex HVAC equipment types and the losses they sustain with articles, guides, and other adjuster-focused resources.

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Industry Data

Industry Data

Take note of trends related to equipment, insurance, and assessment results through annual reports and resources related to claims data.

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Lightning and Surge Claims

Lightning and Surge Claims

Explore commonly reported perils and how they impact – or don’t affect – HVAC systems, electrically powered items, structures, and other property frequently included in claims.

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Man-Made Damages

Man-Made Damages

Learn what evidence distinguishes man-made damage, including roofing impacts and missing HVAC equipment, from other causes of loss.

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Pools & Hot Tubs

Pools & Hot Tubs

Review articles, guides, and other resources about frequently claimed pool equipment, causes of failures, and their significance in claims.

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Roofs

Roofs

Learn more about roof and shingle types, common causes of loss, and what investigators look for during assessments through guides, articles, and other resources.

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Solar Power Equipment

Solar Power Equipment

Explore why solar power equipment winds up in claims, including how components work, frequent causes of loss, and repair and replacement recommendations.

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Subrogation

Subrogation

Understand the subrogation process and what information you need in order to make a confident decision about whether to pursue.

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Tree and Outdoor Claims

Tree and Outdoor Claims

Find insurance-focused resources about tree removal and claims that include outdoor assets such as landscaping, lights, and golf courses.

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Water Claims

Water Claims

Flood, rain, or plumbing-related losses can impact a variety of structures and equipment. Learn more through helpful guides, articles, and other resources.

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Water Heaters

Water Heaters

Review eBooks, articles, guides, and other resources about the different types of water heaters, their causes of loss, and their significance in claims.

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Well and Sump Pumps

Well and Sump Pumps

Understand different types of well and sump pumps, how they work, and what it may take to return them to pre-loss condition through a variety of resources.

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Windows

Windows

Find materials about the strengths and limitations of different types of windows, common causes of loss, and how assessments are completed.

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Winter Losses

Winter Losses

Identify what types of losses are more common in winter months through resources about winter-related perils or equipment most often claimed during colder months.

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Workers' Compensation

Workers' Compensation

Explore these resources to learn tips for handling workers’ compensation claims, indicators of misrepresentation, how to validate claim details, and how litigation may be involved.

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Search Results

The HVAC system described in this claim assigned to HVACi was near an area that experienced a garage fire. The adjuster sought HVACi’s expert help to determine if the furnace and ductwork were affected and needed replacement.
If flames are across the room, smoke still has a way of traveling into places your policyholder may not notice. One of the prime locations is ductwork.
Explore our interactive guide to learn about common types of smoke and fire damage HVAC components are susceptible to, find out which components may ignite a fire, and discover more handy resources.
While structural fires as a direct result of lightning are rare, they do occur, and it’s important to get all the facts from the scene before you make a claim decision.
Knowing the causes and common indicators of faulty wiring can help insurance professionals and policyholders alike understand why these fires occur.
Kitchen fires are the most reported home fires, according to the National Fire Protection Association (NFPA). 
A successful investigation hinges on attention to detail, and a fire investigator has a lot of evidence to consider when inspecting the aftermath of a range fire.
In some cases, damaged detectors could invalidate a policy or reduce a settlement if a fire were to occur.
Whether wildfires are nearby or miles away, they can impact policyholders. Learn about wildfire risks and why they lead to claims.
A crash course in how evidence is defined, collected, preserved by professional fire investigators, and how adhering to these guidelines ensures a conclusive investigation.
A fire intentionally ignited in a place a fire shouldn’t be is incendiary in nature. Know eight key indicators of these fires.
It takes a certified investigator to fully evaluate the origin and cause of many fires, and the investigation may include jargon you aren’t familiar with.
The policyholder and the insurance adjuster handling the claim weren’t sure how the garage fire started and needed conclusive evidence to know why it occurred and how to prevent another one.
Make sure you’re getting what you need from your investigative partners for kitchen fire claims by arming yourself with basic facts and key indicators.
Complete the form to learn about the superior level of service from National Fire Experts, from customer service to origin and cause expertise, in this step-by-step guide.
Christmas trees are a beloved holiday tradition, but even these brightly lit and colorful decorations have a dark side.
Because of their location, exterior components such as condensing units and the equipment contained therein are vulnerable to smoke and fire damage.
Residential HVAC equipment is vulnerable to smoke and fire damage, but full replacement may not be necessary to return the HVAC system to pre-loss condition.
Regardless of where the fire is, internal and external HVAC components are at risk for damages from smoke, soot, and ash. A home that’s miles away from the nearest fire can still sustain major soot and ash damage.
Not sure what you need to know from a fire investigation? Ask these five questions to start the claims process off right.
Learn our fire investigation process and how we secure evidence with this fire case study that has indicators of incendiary fire.
Make sure you’re well-versed in winter fire risks, causes, policyholder safety tips, and the electrically powered equipment that may be included in claims.
Smoke and fire claims are likely to include many items that could be damaged. However, not all items present during the fire will need to be replaced.
A resident plugged in a space heater and returned to find an electrical fire inside the bedroom wall. The contractor estimates ranged from $10,000 to $27,000.
Gain insight into this classification of fire, including how you can prevent bias from derailing an investigation.
A car spontaneously erupted into flames. This visual case study explains how the National Fire Experts team determined the unexpected origin and cause.
Ever wonder how fires impact structures? For adjusters, diving into fire dynamics could unlock more accurate claims. Learn more!
Winter’s chill and festive cheer come with an unexpected risk: house fires. Learn the common culprits of winter fires!
Vehicle fire origin and cause investigations for accurate settlement require knowledge of fire’s behavior, onsite evidence, vehicle history, and more as explained in this article.
This case study demonstrates how fire investigators can confirm a chimney fire occurred and verify damage, even if time has passed.
Our visual glossary provides a comprehensive understanding of chimneys and their components! Equip yourself with essential terms and descriptions to help with your claims.
Navigate winter's fire risks with Alpine Intel's comprehensive guide. Equip policyholders for a safe season.
Vehicle fire investigations include unique considerations. Here are a few things investigators consider when determining an accurate origin and cause.
Creosote buildup can ignite and damage chimney flues and other materials. Here’s what you should know about it when handling chimney fire claims.
Learn to better handle chimney fire claims, including the factors that may contribute to a hostile fire and why a fire investigator or engineering investigation is key to accurately settling these claims.
Learn how the National Fire Experts investigator determined the origin and cause of a truck fire using fire patterns, witness statements, and other evidence.
Your fire claims may require onsite investigations, transporting evidence, product assessments, and litigation support. Consider this all-inclusive path.
Before handling a claim for a fire or loss caused by a lithium-ion battery, understand different reasons these batteries pose such a risk by reading about real fire investigations and their results.
Dryer fires affect thousands of policyholders annually. Discover dryer fire causes and preventative measures to be better prepared to handle dryer fire claims.
They cover large loss fire specifics, involve other stakeholders, and emphasize selecting adept assessment partners for handling these intricate claims.
They cover large loss fire specifics, involve other stakeholders, and emphasize selecting adept assessment partners for handling these intricate claims.
National Fire Experts identified the most plausible origin and cause of a farmer's grain dryer fire and suggested next steps. Explore their findings.
Hear from National Fire Experts investigators on vehicle fire investigations. Learn about technology questions to ask, EV considerations, and evidence preservation.
An adjuster sought conclusive evidence from CTL’s professional engineers and testing to determine a lithium-ion battery fire cause and subrogation potential.
Use this eBook to learn how National Fire Experts and the Component Testing Lab work together to support your large loss fire investigations.
Learn how HVACi and StrikeCheck determined the scope of smoke and fire damage to electrical items and the house’s split system, as well as recommended next steps.
Discover 10 potential fire hazards in the home prone to being the origin and cause in fire claims.
Commercial fire claims are often complex and require expert investigation. Discover common fire causes and how an assessment partner can help with these claims.
Learn what your fire expert witnesses and assessment partners should provide if your claim goes to litigation – and why transparency is key from the moment you submit an assignment.
Discover each phase of NFE’s systematic 11-step process for identifying a fire’s most plausible origin and cause.
Proper ventilation is an important part of fire prevention. Consider if improper ventilation from these causes could have impacted your fire claim.
This interactive slideshow explains National Fire Experts’ 11-step fire origin and cause investigation process and how it can help with your fire claims.
Learn how one adjuster got the answers they needed about a reported electrical fire from National Fire Experts, even after the scene had been altered.
Know signs of electrical fire and what fire investigators look for, like electrical arcing, outdated wiring, and overloaded circuits with this guide.
Discover how National Fire Experts identified the origin and cause of a commercial large loss fire through joint inspections and collaboration with CTL.
Join this webinar to prepare for fire claims by learning residential electrical fire basics, causes, and prevention measures.
Find out what each party should look for as well as how information the investigator collects onsite helps determine the origin and cause for a fire claim.
Learn about factors considered in a commercial vehicle fire investigation, common causes of these fires, and how experts can help adjusters with claims.
Discover key maintenance practices your commercial policyholders should follow to help prevent a restaurant kitchen fire and what investigators consider when evaluating these claims.
Dive into how both adjusters and certified fire investigators can collect and analyze witness statements – even when stories change or don’t support the facts of the claim.
A motel or hotel fire can result in large commercial losses. Discover common causes, how they spread, and special investigation considerations for these claims.
When handling commercial vehicle fire claims, adjusters should be ready for many involved parties and some unique considerations about origin and cause.
After a fire, a commercial policyholder submitted a claim with two split systems. Learn how HVACi provided the adjuster with just the facts, and how they differed from the reported loss.
Learn common causes of apartment fires, how investigators approach assessments, and the characteristics that can introduce unique considerations to these claims.
Find out why even distant fires may lead to a claim, which different types of smoke can impact equipment, how changing codes and regulations affect adjusters’ processes, and more.
Learn about common factors and challenges in industrial fire losses and read about the benefits of using certified investigators with this guide.
Find out about how space heater fires ignite, factors that make space heaters fire hazards, and how experts investigate these incidents.
Watch the webinar to explore HVAC components and system types you may see in smoke and fire claims, as well as real-life examples of how these perils impact HVAC equipment.
Learn what puffbacks are, what can cause them, and what these challenging (and messy) claims can look like for both the adjuster and assessing expert.
Download the case study and discover how National Fire Experts’ Certified Fire Protection Specialist Program provided critical insights after a restaurant fire.
Learn how National Fire Experts’ certified fire investigators determined the most plausible cause of a boat fire that led to both property damage and injury.
Learn about agricultural fires and farm equipment hazards – from combine and tractor fires to grain elevator explosions – and be better prepared for these unique claims.
Discover which certifications NFE investigators hold, what these qualifications mean, and what makes each expert fully equipped to investigate your fire scenes.
Discover how National Fire Experts’ certified fire investigator determined the most plausible cause of a school fire that began with the building’s rooftop HVAC system.
Listen to this podcast to learn about residential kitchen fire causes, investigations, and questions adjusters should ask about kitchen fire damage claims.
Learn about the various structural concerns to be aware of in wildfire property damage claims.
Learn how Donan Engineering’s forensic expertise and comprehensive assessments provided clarity about a wildfire’s impact to roofing and structural components.
Explore how origin and cause investigations into restaurant and other commercial kitchen fires differ from residential cases in this mini podcast episode.
Learn the unique challenges of electric vehicle fires, how certified fire investigators approach these claims, and options for further testing.
Discover why electric vehicle fires demand expert investigations, the risks posed by lithium-ion batteries, and how vehicle fire investigations differ for EVs.
See how National Fire Experts helped an adjuster accurately resolve a complex EV fire claim, uncovering the fire’s most plausible origin, causes, and recommending next steps.
Find out how National Fire Experts’ investigator identified the most plausible cause of a fireplace fire that caused damage to a home, even without fire scene access.
Learn why preserving evidence is crucial in large loss fire investigations and how certified fire investigators prioritize this task.
Find out how a fire and explosion investigation differ, why qualified experts are essential, and how their findings may impact insurance and legal outcomes.
Explore the factors that contribute to marine vessel fires and how experts address their unique challenges during origin and cause investigations.
Learn about what makes marine vessel fire investigations particularly complex and become better prepared to handle related claims or cases.
Use this guide to help your policyholders prevent home fires before they happen. Explore a range of potential hazards and pass this resource along to your insureds.
Learn how Certified Fire Protection Specialists (CFPS) can examine fire suppression systems to determine their impact on commercial fire losses.
A construction site fire can cause significant damage. Discover four major causes and how origin and cause investigations can help with accurate settlements.
After receiving a claim involving a skid steer that ignited without warning, an adjuster looked to National Fire Experts for insights. Discover what they found.
Hear how Certified Fire Protection Specialists (CFPS) aid fire claim investigations by evaluating whether prevention methods helped stop or contributed to fire spread.
Find out how Alpine Intel’s National Fire Experts and Donan Engineering performed onsite investigations to answer an adjuster’s questions about the cause and scope of damage from a country club fire.
Uncover seven potential signs of incendiary vehicle fires so that you can better interpret origin and cause reports and know when further investigation may be needed.
Read about the causes of lithium-ion battery fires, the role of manufacturers’ defects, and how expert testing can help you evaluate subrogation potential.
A fire at a manufacturing facility led to a complex claim and left the carrier in need of details about the ignition sequence. That’s where National Fire Experts stepped in to help.
Discover the fire risks of lithium-ion batteries and best practices for tackling these claims.
Learn how experts assess commercial electrical equipment after a fire; address smoke, heat, and water damage; and provide recommendations for repairs or replacements.
Winter brings a rise in chimney fire claims, in part, because of creosote. Learn how it forms, its risks, and what certified fire investigators look for.
Watch the Decoding Complex Claims: Kitchen Fires webinar recording to learn about sources of kitchen fires and steps to the investigation process for complex claims.
Prepare for vehicle fire claims with this guide, which offers an overview of common ignition sources, first fuels, and other key considerations.
Learn the 5 key questions every insurance and legal professional should ask before a fire investigation, plus a bonus for choosing the best partner.
Request the recording of this Alpine Intel webinar to learn about commercial kitchen fire risks, leading causes, NFPA compliance, and more.
Hear how smoke and fire can bring business to a standstill when critical equipment is impacted, and learn steps in the fire damage restoration process.
Become better equipped to tackle commercial kitchen fire claims with this guide on risks, regulations, questions to ask, and key adjuster takeaways.
Pursuing subrogation post-fire requires carefully preserved evidence. Read about five common evidence-handling errors and how to avoid them.
Request this adjuster guide on commercial kitchen fire suppression systems, which includes a labeled diagram, required maintenance information, and common failures.
With Matterport 3D models, insurance and legal professionals can better understand fire losses. Learn how National Fire Experts employs this technology.
Water and smoke damage can corrode commercial equipment after a fire. Learn why this happens and how to address it effectively during the claims process.
An insurance carrier’s SIU team relied on National Fire Experts (NFE) to determine how a fire started in a reportedly stolen vehicle. Request the full case study.
Explore how NFE 3D scans help desk adjusters by providing interactive models of loss locations, reliable measurements, potential evidence, and more.
Read about fire effects and six types of fire patterns to better understand their role in origin and cause investigations for your claims.