Investigation of a fire claim

MEU’s automotive forensic team was requested to investigate a property fire claim. It was alleged that a fault on a vehicle insured by Zurich caused a fire, which totally destroyed a retailer stock and premises; the claim value was in excess of £2m.

Another insurer held the property/contents insurance. Their fire specialists, supported by police evidence provided by officers in early attendance, contended that the Zurich insured vehicle caught fire due to a fault and the fire spread to the buildings, with a catastrophic result.

Zurich’s thorough investigation proved this was not the case, and within three days produced hard, factual evidence sufficient to totally rule out any liability on Zurich’s customer’s part. The Zurich team’s evidence convinced all parties, including the police, that there was an attempted break-in at the premises immediately before the fire was set.