How Disciplined Investigation Transformed a Skeptical Adjuster into a Long‑Term Partner
the case
A devastating fire struck the Towne Square Building, a historic landmark with deep community roots. The loss exceeded $5.2 million, exhausting the policy limits.
The fire originated in a neighboring structure, reignited, and spread through concealed void spaces before consuming the entire fourth floor of Towne Square. By the time we were engaged, demolition had already begun and the focus was squarely on emergency response and public safety.
On paper, our assignment was simple: evaluate subrogation potential.
In reality, the odds were stacked against it.
$8M
Damages
$5.2M
POLICY LIMITS
The Challenge
This case began not with cooperation — but with resistance.
- The first‑party adjuster was managing a chaotic, seven‑figure emergency response
- Demolition was underway, and speed was the priority
- The cause of the fire was undetermined and the catastrophic damage made further investigation futile – and the adjuster believed subrogation was obviously impossible
- Our request to preserve evidence was met with anger and threats of escalation
The message was clear:
“You’re getting in the way — and there’s nothing here anyway.”
Walking away would have been easy.
Relentless Creativity
We don’t just follow the obvious path—we blaze new trails.
Strategic Thinking
We uncover recovery opportunities that others miss.
Results
We earn the trust of clients, experts, and even competitors by delivering results.
Our Approach
We did not argue. We worked.
Holding the Scene
Despite the tension, we insisted on slowing demolition long enough to understand how the fire actually behaved — how and where it started, how it spread from one building to the other, and why it caused such devastating damage to a building with a sprinkler system.
Our Investigation Revealed
- Concealed combustible void spaces that should have been sprinklered
- A mechanical courtyard constructed of combustible materials in violation of code
- EPS insulation, a highly combustible fuel source, installed where none should have been
- The property of origin was required to have a sprinkler system which would have prevented all of the damage to our insured’s building
The Turning Point
As the evidence mounted, the adjuster who once viewed our involvement as an obstacle began to see the case differently.
What he initially believed was overreach became clarity.
What felt like unnecessary delay, became thoroughness and unquestioned expertise.
The Litigation
The case expanded into a complex, multi‑front action involving:
- Architects
- Engineers
- Contractors and subcontractors
- A property owner who repeatedly failed to comply with code
It required historical reconstruction, coordinated expert analysis, and sustained pressure across multiple defendants.
The Result
The case ultimately resolved with a multi‑million‑dollar recovery — a result no one anticipated.
Just as important, a professional relationship was transformed.
The adjuster who initially resisted our involvement later sent an unsolicited message praising the discipline, persistence, and outcome. After this loss, he entrusted our firm with some of his largest and most challenging subrogation matters.
Get in Touch
Reach out to our team members today to get our process started!