4. www.theclm.org
• Over $5 million in total damage
• 5 yachts burned- 3 were constructive
total loss
• PD to the marina
• Personal injury to occupants
5. www.theclm.org
Claim Example #1
• You receive notice from your insured
immediately following loss
• Your insured is the primary cause of the loss &
causes additional loss to third parties
• Your team controls the majority of the scene
& leads all inspections
• Potential liability & potential recovery
6. www.theclm.org
• Perform preliminary non-destructive inspection:
• Conduct interviews. What was damaged? What work was performed by my
insured prior to the reported incidents
• Preserve the evidence:
• (e.g. Wrapping, transporting, & storing)
• Identify and place all parties involved on notice:
• Propose/Confirm inspection of evidence dates to all parties involved.
• Establish protocol for joint inspection:
• Include date, start/end time, location, number of days and agreed upon rules.
• Confirm protocol with all parties.
• Confirm Laboratory work (X-rays, SEM, ultrasound)
• Conduct inspection and reiterate ground rules.
• Maintain inspection’s pace unless there are objections. Secure evidence after
inspection until further notice. Report observations to client.
9. www.theclm.org
• $6 million in PD
• 70,000 lost Grade A Jet Fuel
• 162 cancelled flights
• Over $20 million in business
interruption claimed
10. www.theclm.org
Claim Example #2
• You receive notice from another party after
passage of some time
• Your insured likely “nominal party”
• Not immediate cause of loss, but may have
collateral contribution
• Your team does not control the scene
11. www.theclm.org
• Find out what was damaged and what work was performed
by my insured prior to the reported incident
• Review the protocol that was sent out and address any issues
I may have with the wording
• Confirm my attendance and attend the joint inspection of
evidence. Gather as much information as possible
• Determine who the other parties are and try to obtain
information from them
• Request a list of the items that were collected as evidence
• Request that part of the evidence be retained/secured if it
will help in my investigation.
• Be careful not to reveal your findings to the other parties
• Report observations to the client or write a report
