Fire at Hunters IGA in Wolfeboro?

[gokart-mozart]

A chain link fence has gone up around the rubble @ Hunter's.

There is a sign posted that reads; "NOTICE: This fire is currently under investigation and critical evidentiary items are present. Do not move, alter, destroy or remove anything from the area described below. Do not enter."

The sign is posted by Fire and Explosion Investigations, Inc., a Private Investigations firm based in Monmouth, ME (at least that's their PO Box).

Does anyone know if the involvement of investigators like this (other than the Wolfeboro FD and the State Fire Marshal) is normal at this point, or does it imply that there's something suspicious?

[FlyingScot]

Originally Posted by gokart-mozart

A chain link fence has gone up around the rubble @ Hunter's.

There is a sign posted that reads; "NOTICE: This fire is currently under investigation and critical evidentiary items are present. Do not move, alter, destroy or remove anything from the area described below. Do not enter."

The sign is posted by Fire and Explosion Investigations, Inc., a Private Investigations firm based in Monmouth, ME (at least that's their PO Box).

Does anyone know if the involvement of investigators like this (other than the Wolfeboro FD and the State Fire Marshal) is normal at this point, or does it imply that there's something suspicious?

If I were the insurance company, I would insist on this for almost any fire. Therefore, nothing noteworthy

[chachee52]

Originally Posted by gokart-mozart

A chain link fence has gone up around the rubble @ Hunter's.

There is a sign posted that reads; "NOTICE: This fire is currently under investigation and critical evidentiary items are present. Do not move, alter, destroy or remove anything from the area described below. Do not enter."

The sign is posted by Fire and Explosion Investigations, Inc., a Private Investigations firm based in Monmouth, ME (at least that's their PO Box).

Does anyone know if the involvement of investigators like this (other than the Wolfeboro FD and the State Fire Marshal) is normal at this point, or does it imply that there's something suspicious?

Very normal for any fire.

[Fishinfergy]

Most all fires will be investigated by a third-party from the insurance company. They do it for subrogation purposes. To see if they can recoup from whatever the cause may have been. This preserves the evidence until all parties are able to inspect.

[root1]

An insurance company's primary objective, as with all public corporations, is to make money for their stockholders. Of significant note, is their uncanny ability to deny claims.

For starters, they will search for any dated construction materials from the rubble; Romex, porcelain fixtures, PVC pipe, structural steel, door frames, etc.; and then obtain copies of all construction/repair permits. If they find any discrepancies, the claim will most likely be denied; citing the unauthorized repairs contributed to the fire.

I'm praying the loss is covered and wish Hunter's a quick recovery.

[Mr. V]

Originally Posted by root1

An insurance company's primary objective, as with all public corporations, is to make money for their stockholders. Of significant note, is their uncanny ability to deny claims.

For starters, they will search for any dated construction materials from the rubble; Romex, porcelain fixtures, PVC pipe, structural steel, door frames, etc.; and then obtain copies of all construction/repair permits. If they find any discrepancies, the claim will most likely be denied; citing the unauthorized repairs contributed to the fire.

This theory is a REAL stretch.

[Descant]

I think fire is fire unless purposely set, the owners will get their money. Looking at all those other factors is more likely to provide opportunities for subrogation, or to limit the use of particular products in the future.

[ApS]

Originally Posted by Descant

I think fire is fire unless purposely set, the owners will get their money. Looking at all those other factors is more likely to provide opportunities for subrogation, or to limit the use of particular products in the future.

This isn't Hunter's first fire!

...I have the T-shirt...

[tis]

Originally Posted by ApS

This isn't Hunter's first fire!

...I have the T-shirt...

Show us the shirt.

It looks like their plan is to open by next July.

[Billy Bob]

Originally Posted by root1

An insurance company's primary objective, as with all public corporations, is to make money for their stockholders. Of significant note, is their uncanny ability to deny claims.

For starters, they will search for any dated construction materials from the rubble; Romex, porcelain fixtures, PVC pipe, structural steel, door frames, etc.; and then obtain copies of all construction/repair permits. If they find any discrepancies, the claim will most likely be denied; citing the unauthorized repairs contributed to the fire.

I'm praying the loss is covered and wish Hunter's a quick recovery.

And denying a claim on a fire of this type would result in a law suit that would cost the insurance company more then the claim. This might seem like a big claim to the average guy but it’s a small deal to a decent size insurance company.
Some legitimate discussion of the payout and values might occur but if the owner bought proper coverage and placed realistic values on what was insured the claim will be paid . ( prayers only needed for the under insured )