Fire in a home
A Fire rescue service, (SDIS- Fire and Emergency Service Department) was called to a fire on the ground floor of a residential building. On the day of the incident, the fire was recorded as extinguished at 5:30 p.m. and operations concluded at 6:52 p.m. The same day, the SDIS was called out again at 10:25 p.m. for a fire at the same address.
After the SDIS was called into question, their liability insurers summoned a GM Consultant loss adjuster with expertise in investigating the causes of fires, who was present at the joint appraisal meeting.
GM CONSULTANT INTERVENTION
Upon arrival, the loss adjuster analysed the tangible signs left behind after the fire. The sources of both fires were soon pinpointed and the possibility that the flames had spread (convection, radiation, projection) between the 1st and 2nd fires was rejected.
Next, the loss adjuster carried out an investigation at the second source and questioned the owners.
It was then reported that after the fire fighters had left, the owner had gathered the debris from the street and brought it inside, leaving it where the second fire broke out. The second fire was attributed to the re-ignition of the debris, which had been left on the pavement by the fire fighters but brought inside by the owner.
An analysis of the traces left behind after the fire made it possible to release the SDIS from any liability.