The science behind Origin and Cause Investigation has three distinct areas of responsibility: Municipal, Provincial and Private. Private fire investigation and the possibility of subrogation (i.e. financial recovery of the loss payment) is often a resource many in the fire service are not aware of. Private fire investigations work within the insurance industry to determine the cause of fire incidents and categorizing those incidents into one of four classifications identified within NFPA 921. Further, the private fire investigator has a unique avenue to prevention and the mitigation of future incidents with regards to Origin and Cause determination related to the insurance industry.
