Claim identified via our First Notice of Loss Program and involved a large fire loss to the insured’s home caused by a fire originating from a neighbor’s home during Hurricane Sandy. The Total Loss of insured’s home brought the paid claim value to $627,629. The property where the fire originated was completely destroyed in the fire, along with most of the potential physical evidence- making a formal cause and origin investigation nearly impossible. Nevertheless, we conducted an in-depth investigation that included canvassing of the neighborhood and statements from witnesses including the adverse homeowner.
From these, and other efforts, we collected sufficient evidence to indicate the adverse homeowner had installed a generator in this home without obtaining the required local permits and that this generator was in fact the origin of the fire. Our recovery representative settled this claim for a total recovery of $412,500 representing a 66% recovery to the client.