When property damage occurs, insurance carriers are expected to act fast—while also making decisions that are accurate, fair, and supported by well-documented facts. From weather events and fire damage to water intrusion or structural failure, claims can quickly become complex. That is where Higgins & Associates comes in.
Our team of forensic engineers and appraisers supports insurance carriers with the technical insight and clearly documented expert forensic analysis needed to settle claims with confidence.
Clear, Objective Cause-and-Origin Analysis
Understanding the cause and extent of a loss is the foundation of successful claim resolution. Our forensic engineers evaluate materials, structural components, and failure mechanisms to identify the true cause and origin of a loss. This reduces uncertainty, limits dispute potential, and helps adjusters move quickly.
Accurate Damage Scoping
We go beyond surface-level inspections. By distinguishing between long-term wear, unrelated pre-existing conditions, and true loss-related damage, we help ensure carriers pay only what is owed – no more, no less.
Cost-Effective Claims Decisions
Because our experts understand construction methods, building codes, and practical repair options, we deliver data-driven recommendations that:
- Prevent unwarranted betterment
- Reduce claim handling costs
- Support fair and defensible settlements
Defensible Documentation
In high-value or complex claims, thorough investigation with detailed supporting documentation is key. Our reports are built on evidence and written to withstand scrutiny from public adjusters, attorneys, and opposing experts. When needed, we also offer expert witness support.
Learn more about our insurance claim support services.
Support for Disputed or Contested Claims
Some claims require more than engineering insight. Higgins & Associates includes licensed appraisers who assist when a claim enters dispute or appraisal. Our combined technical and appraisal experience helps drive fair outcomes and reduces delays.
Better Claim Outcomes, Faster
By bringing Higgins & Associates into the process early, adjusters gain clear insights, actionable reports, and expert support, resulting in:
- Faster claim resolution
- Reduced disputes and friction
- Improved policyholder experience
Contact Higgins & Associates today to strengthen your next insurance loss assessment with trusted engineering and appraisal support.
Learn more about our structural forensic engineering services.
