Fires, by their destructive nature, consume the evidence of their initiation and progress as they grow. Often investigations are compromised, and scenes are further destroyed unintentionally by fire services, emergency medical and law enforcement whose primary responsibility is to save lives and protect people and property against further damage. The press and curious individuals attracted to large fire scenes can also complicate investigations and damage evidence, making security a necessity.
Below are three benefits to securing a large loss site:
- Having security on a large loss site gives the adjuster time to review the policy, check their limits, find the named insured, and see if there are any exclusions in the policy. It also allows for the adjuster to get the right experts on the scene and seek legal advice if necessary. Time spent at the beginning of a claim can drastically speed up the process, making both the client and insurance company extremely satisfied.
- Security also allows adjusters the ability to determine the liability and to prevent any further liability from occurring, while at the same time addressing any safety issues that may be present.
- Lastly, security allows the adjuster to identify and address subrogation potential and to keep the continuity of any evidence. Insurers must demonstrate to the courts that proper procedures were established to preserve the continuity of evidence. If the site is not protected, unauthorized people entering the scene could remove or damage evidence that may be key to the insurance company’s case to determine liability or to seek subrogation.