How do I determine the true cause of a fire for a fire insurance claim?

When filing a fire insurance claim in South Carolina, it is important to be sure that the true cause of the fire is determined before a claim is made. The insurer will need to determine whether the fire was accidental or intentional, then will need to find out the exact cause, such as electrical, mechanical, or human error. The first step in determining the true cause of a fire is to call your local fire department to send an inspector and fire investigator to the scene. The fire investigator will take all necessary steps to determine what started the fire, such as questioning witnesses, collecting evidence, and examining the scene. They will also use forensic evidence, such as burn patterns, gas chromatography, and accelerant detection to help determine the cause and origin of the fire. The fire investigator will then create a report of their findings which will be used to determine the cause of the fire for the fire insurance claim. You may also need to obtain a copy of the police report as it may contain additional evidence and information that can help establish the true cause of the fire. Once the claim is filed, the insurance company may require additional evidence, such as an expert opinion from a qualified fire safety expert, to validate the cause of the fire. It is important to provide as much information as possible to your insurance company to help them in determining the true cause of the fire for your claim.

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How do I determine the true cause of a fire for a fire insurance claim?

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