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Order granting Motion for Spoliation sanctions and dismissing for failure to follow NFPA 921. Nothing groundbreaking here, but a good discussion of the basics and how poor housekeeping led to a very bad result.  Submitted by Michael Durr, Experienced Tennessee Subrogation & Recovery Attorney, on LinkedIn for discussion.  Click here to join the discussion.

BACKGROUND

The facts of this case are generally undisputed and have been set forth in detail, for the most part, in the Court’s prior Order on Defendant’s Motion for Spoliation Sanctions. (Dkt. No. 35.) In sum, Plaintiff Bear River claims that the speed control deactivation switch (SCDS) in the 1994 Ford F-150 pickup truck owned by its insureds, Jeff and Julie Schoepf, was defective and caused a fire that spread from the truck to the Schoepf’s house.1 Bear River’s claim is based on an investigation conducted by Bear River’s expert, Tad Norris, a fire investigator with IC Specialty Services, who was assigned to inspect the scene and determine the origin of the fire.  On behalf of Bear River, Mr. Norris inspected the scene and decided what evidence should be preserved without Ford’s presence, consent or input. As part of that investigation, Mr. Norris removed the SCDS’ hexport and electrical housing and claims that he sent both to another expert, Jeff Morrill, who requested an examination of the hexport. Mr. Morrill acknowledged receipt of the hexport, but claims he never received the electrical housing. Following Norris’ inspection and investigation, the scene of the fire was destroyed. Additionally, Plaintiff lost the hexport before it could be inspected and tested by Ford, and Plaintiff lost the electrical housing before inspection and/or testing by anyone.

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Accurate identification of the cause of a Wildfire plays a critical behind-the-scenes role when it comes to the presentation of evidence in Criminal, Coronial or Civil proceedings, or to gain an accurate picture of the cause of fires in an area. So how do you find the cause in a blackened landscape that may cover thousands of hectares?

Successfully preventing the unplanned ignition of wildfires is reliant on three key areas;

  • Engineering (or that of appropriate legislation governing the use of fire in the open and adequate penalties, authority to investigate fires etc);
  • Education (of the public and firefighters in wildfire ignition prevention and reporting of suspicious activity relating to the cause of a wildfire) and;
  • Enforcement (pro-active investigation of wildfires and follow-up prosecutions).

 

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On May 18, 2017, the United States District Court, Eastern District of Pennsyvania, ruled that a plaintiff's electrical engineering expert could not testify regarding the origin of a fire and fur excluded a portion of his testimony regarding the fire cause.

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This article was member submitted and includes a short comment about the article at the bottom.

ABSTRACT

Liquid fuel spill/pool fires represent the initiating fire hazard in many applications ranging from accidents at industrial plants using combustible liquids to residential arson fires involving flammable fuels.  Given the relevancy of such fires and broad range of potential scenarios, it is important to understand how liquid fuel fires develop and how to accurately calculate the fire size based on knowledge of the fuel type, quantity and the surface it is poured on.  In addition, it is important to quantitatively correlate fire size to spill area and burn patterns.  This understanding will afford the fire protection and investigation communities the ability to properly assess the potential hazards and forensically evaluate damage from fuel spill fire events.  The purpose of this study is to expand the fundamental understanding of liquid fuel fire dynamics, establish the utility of forensic tools, and validate empirically-based correlations used to model spill fire scenarios.  A multitude of small-, intermediate-, and large-scale noncombustible liquid spill and fuel spill fire tests were conducted using a total of six different liquid fuels and eight different substrates.  The results of these tests provide insight into the differences in fire dynamics between pool and spill fires (i.e., thick and thin fuel depths), provide a methodology by which liquid fuel fire events can be assessed, and identify forensic indicators that can be used in the analysis of liquid fuel fire events.

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from Firehouse.com by Karen Facey

I recently joined “the dark side" after I left the public sector as a fire marshal to become a fire investigator for Liberty Mutual and Safeco Insurance. While we collectively banter and joke about people leaving the public sector and starting their private sector careers, the reality is we all have the same needs and motivation. Ask any first responder, and they will likely tell you they love what they do because they get “to help people.” Ask any private fire investigator why they investigate fires and they will also answer “to help people.”

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From Out of the Abyss...

This week’s article from the past is titled Incendiary Fires Can Be Spotted and was written by Benjamin Horton, CPCU, who was President of the National Adjuster Traing School in Louisville, Kentucky..  It is taken from the Decembe 1968 Vol. XVI No.5 issue.

Incendiary Fires Can Be Spotted 

Congratulations

CCAI extends sincere congratulations to Wayne Tyson who was presented with the most prestigous "Lifetime Member" award along with a 45-year member pin from the International Association of Arson Investigators.


Wayne_Tyson-45yearpin-4x6

Practical Approaches for Recouping Good Faith Payments

Larry-Arnold-article

by: Larry Arnold

Faced with growing losses, insurance companies are focusing on fraud management and implementing risk mitigation controls, while at the same time remaining cognizant of their duty of good faith to policyholders.  So what happens when an insurer makes good faith payments on legitimate elements of an insurance claim but subsequently uncovers fraud in other elements of the claim?  Is the insurer entitled to recover all monies paid as part of the claim?  Or only the amount paid in reliance on the insured's misrepresentations?

Previously, there was no clear answer.  It was safe to assume that an insurer could recover monies paid on a claim under the right circumstances – the difficulty occurred when trying to recover payments made prior to the established fraud date.  For example, in California, the insurance code states, “If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the representation becomes false.”

Recent trial court rulings in favor of insurance companies, however, are changing the claims landscape.  These rulings will impact the way insurance companies handle genuine claims that are subsequently tainted by fraud, encouraging them to be proactive in recouping good faith payments.

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Water and Burning Cooking Oil

The three pictures below show the effect of putting one cup of water in a pan of one cup of oil on fire. You should always choose to cover the burning pan with a lid or cookie sheet and then turn off the burner. If you put water on the oil fire, the effects will almost always be deadly.

Submitted by Troy Morrison PIO CCAI

oil_water_fire1

 oil_water_fire2 oil_water_fire3

Surviving fires: How common mistakes can lead to devastating fires

Shared by Jamie Novak, St Paul Fire Department

Surviving_firesCOON RAPIDS, Minn. - Fire does not schedule home visits, nor do firefighters arrive by appointment.

In the interest of fire safety, we decided to change that.

During two days of shooting, a crew of firefighters and KARE 11 photographers with a dozen cameras gathered at the most deadly place for fires in Minnesota: home.

Jamie Novak, a St. Paul Fire investigator, helped us locate a three-bedroom rambler in Coon Rapids that was already scheduled for demolition.

Read more and watch the video

Cooking fires: do you know what to do?

Shared by Jamie Novak, St Paul Fire Department

cooking-oil-fireST. PAUL, Minn. - If anyone knew her way around a kitchen, it was Wille Mae Coleman. No one could count the number of times she'd fried chicken for supper. Then last August, alone at the stove in her apartment, the 75-year-old grandmother died doing it.

"I vividly remember getting the phone call," says her son Don Coleman, somberly. "Very difficult, that's my mother." Wille Mae suffered serious burns on 70 percent of her body. He was with his mother at Regions Hospital when she died.

Read more and watch the video

Investigators: Fire safe smokes?

Shared by Jamie Novak, St. Paul Fire Department

safe_smokesMysterious house fires are happening a lot more than officials had expected, and so-called "fire safe" cigarettes are a common culprit.  FOX 9 Investigator Jeff Baillon found the special paper that's supposed to "self-extinguish" can still be a smoldering risk, and lawmakers are now looking into it.

Watch the video

More Articles...

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