Not sure if you need a forensic engineer?

It’s not always the size of the loss that determines whether or not you need the services of a forensic engineer.  Forensic engineers bring value to the claims process in a number of ways.  Our engineering services can help you establish coverage, set reserves and settle your client's claim quickly & equitably.  Findings from an investigation can be used to:

  • speed resolution of a claim by validating the source / events leading to the loss
  • prevent repetition of claims by identifying a systemic issue or source of fraud
  • identify which insurer is responsible (subrogation), which policy covers the loss and if there is an exclusion
  • improve underwriting for specialized risks 

Even if the claim appears straightforward, an origin and cause investigation is typically easier and generally more successful when initiated as soon after the loss as possible.  Large, complex, multi-party losses should always be considered for formal investigation. 

Not every claim requires a full investigation.  A review of the evidence and a verbal opinion may be all that is needed to provide “peace of mind” and a speedy settlement of the claim. The following scenarios illustrate situations where a forensic engineer’s expertise will be useful.

The claim involves multiple parties

There are often situations where multiple insurers are involved in a claim.  For example; a fire-related loss in a factory.  There could be a number of parties involved including; the insurer of the factory, the insurer of the company that installed or most recently tested the fire suppression system and the insurers of any neighboring businesses whose operations were affected.

You are suspicious about the nature of the incident.

We’d like to give everyone the benefit of the doubt, but the application of engineering principles and the use of technology by qualified experts are often the best method of determining the cause of a loss.  If a claim is going to be declined, a diligent investigation is owed to the insured and having third-party validation of the reasons will be useful.

The other party has engaged the services of a forensic engineer

It is not uncommon for information gathered during an investigation to be interpreted differently by experts.  While every opinion should be unbiased, it doesn’t mean that every interpretation of the causes of a loss will be the same. 

The claim may end up in court

If a negotiated settlement cannot be reached, you need to consider your position well before you are in court.  Using a qualified forensic engineer may mean the difference between a favorable or unfavorable judgment.

The claim involves the failure of a specific product or piece of machinery

While the claim of your insured might be valid, the loss might have been the result of the improper installation or repair of machinery by a 3rd-party or faulty product design.  A forensic engineer can help you ascertain whether there is a subrogation opportunity or not.

You are self-insured (high per incident deductible)

There are companies where their per-incident deductible can mean that a considerable amount of money is being spent each year on this "self-insurance".  A forensic engineering investigation should be considered if the claim is near your limit of self insurance, the claim is small but there have been a number of similar claims or if you simply want peace of mind to know that you are not paying out for frivolous claims.




Civil & Structural Assessments Collision Reconstruction Crash Data Retrieval Electrical Malfunctions Evidence Preservation Fires & Explosions Mechanical Failures Metallurgical (Materials) Analysis Personal Injuries Structural Design & Reconstruction

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Latest Publications

The Danger of Passengers Sitting with Feet on the Car Dash
Jan 31, 2020

Passengers can easily get injured by a car's air bags if they are not in a correct seated position.

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CAFI Spring Seminar Registration Now Open
Jan 29, 2020

Registration for the Canadian Association of Fire Investigators' Chapter 006 Spring Seminar is now open!

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Daniel Couture Joins the Board of Directors of the National Academy of Forensic Engineers
Jan 15, 2020

At the recent NAFE Winter Conference, Daniel Couture was elected to the organization's Board ofDirectors.

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Arcon Sponsors the 2020 OIAA Professional Development Conference
Jan 13, 2020

Arcon Forensic Engineers is pleased to sponsor the lunch portion of the 2020 OIAA Professional Development Conference on Wednesday January 22nd.

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