Why is my home owners insurance company(auto owners) sending out an Fire investigator ?
The Fire Dept already determined the cause.
Three possible reasons:
1) It’s just a random check.
2) They don’t agree with the Fire Investigator’s determination or somehow suspect it’s inaccurate or incorrect.
3) The Fire Investigator didn’t answer a question they have. (For example, he may have determined the location but not the source, or identified the source as an electronic device but not provided specifics about what the device is.)
They may be looking for someone to hold responsible. For example, if the cause was electrical, they may want to try to collect from the manufacturer of the device.
Three possible reasons:
1) It’s just a random check.
2) They don’t agree with the Fire Investigator’s determination or somehow suspect it’s inaccurate or incorrect.
3) The Fire Investigator didn’t answer a question they have. (For example, he may have determined the location but not the source, or identified the source as an electronic device but not provided specifics about what the device is.)
They may be looking for someone to hold responsible. For example, if the cause was electrical, they may want to try to collect from the manufacturer of the device.
References :
They are going to investigate the claim. Even if the fire marshall determines the cause of the fire, it’s still subject to investigation by the insurance department.
This is so they can establish whether there is any “right of recovery” from someone else, for what they pay you.
Example: If the fire is caused by a faulty cord in your PS2, they likely can sue Nintendo and/or the manufacturer of that cord, and will probably win.
References :