Focused on facts, conditions, and technical documentation.
Cause and origin issues can drive scope, subrogation, expert needs, litigation posture, and overall file direction. Theo helps organize reported facts, observed conditions, available records, and expert assignments so the claim team can move forward with better information.
Theo does not provide legal conclusions, policy interpretation, claim acceptance, or claim denial recommendations. The focus is documentation support, expert coordination, and technical file organization.
A clear cause and origin file should show what was reported, what was observed, what evidence exists, what still needs preservation or review, and which technical questions remain unresolved.
Loss Types Commonly Supported
| Loss Issue | Documentation Focus |
|---|---|
| Fire and smoke | Origin area, burn patterns, ignition source questions, fire department records, expert inspection status, and preservation needs. |
| Water and plumbing | Reported source, access conditions, mitigation records, moisture documentation, repair history, and expert review needs. |
| Storm and exterior damage | Weather event information, roof and envelope observations, collateral indicators, repair history, and scope consistency. |
| Collapse, impact, and equipment | Timeline, affected components, mechanical or structural concerns, maintenance records, and specialist involvement. |
Common Support Areas
- Reported cause and origin issue tracking
- Coordination of fire, water, storm, collapse, impact, equipment, and building experts
- Document, photo, and evidence request organization
- Subrogation-related documentation support
- Expert report status and pending item follow-up
- Chronology development for complex fact patterns
Evidence and File Controls
- Initial loss notice and reported cause details
- Inspection photos, scene photos, and expert images
- Fire department, police, weather, repair, or maintenance records
- Emergency service, mitigation, and temporary repair records
- Statements or claim notes requiring technical clarification
- Potential subrogation documents and preservation concerns
Deliverables
C&O Summary
Organized summary of reported facts, observed conditions, expert involvement, and pending information.
Evidence Log
Tracking of documents, photos, preservation needs, and outstanding records relevant to the cause inquiry.
Subrogation Support
File documentation that helps identify potential recovery issues without providing legal conclusions.