A fire starts in the bedroom of an insured’s home. Inside the home are a litany of items that may have caused the fire. Your expert performs a cause and origin report and knows it was an electric blanket. The expert retains the blanket and work begins to restore the home. You put the blanket manufacturer on notice and they respond back “spoliation!” Why? What happened? Your expert says they are at fault, what else could be needed.
There are several reasons spoliation is immediately claimed by an adverse party of an insurance carrier.
There are several reasons spoliation is immediately claimed by an adverse party of an insurance carrier. Some of the major reasons can be easily avoided. In the example above, your expert may believe without a doubt that the blanket was at fault. However, without the manufacturer having the opportunity to observe the scene and inspect it themselves, you will run into trouble in litigation. The possibility of evidence being barred or your case being dismissed may be avoided.
These are a few but some major examples of ways to prevent any claim of spoliation.
Here are the easiest ways to avoid spoliation:
- Preserve and secure the scene. Advise the insured and any agents not to disturb the property until a joint examination can be conducted. Retain some way to protect it. Do not release it until it is clear that all parties have been given the opportunity to inspect the scene.
- Setup an inspection quickly. Aside from moving quickly toward restoring the loss location and making the insured happy, this makes it easier to get an inspection done before anything is disturbed.
- Identify any possible party and put them on notice of examination. Even if your expert doesn’t think they are involved, let the potential defendant make that determination.
- Take many, many photos. If something or someone is missed in the notification, this process will be a fall back to provide an opportunity at investigation.
- Preserve evidence. If you think an item is involved, keep it. Hold it until any lab or other examination is concluded and all parties have signed off in writing, allowing the evidence to be destroyed.
These are a few but some major examples of ways to prevent any claim of spoliation. The easiest way to avoid spoliation is to get the file assigned to an attorney quickly and hire competent experts. An attorney can work hand in hand with the expert to make sure that any pitfalls are avoided and the case can move forward. That’s why Keis George handles large loss property files with our Early Involvement Strategy. Early Involvement allows our attorney to get in, coordinate, preserve evidence, get notices needed, and retain all the documentation that would be needed to fight back against a later claim of spoliation.