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Hawkins Built Environment experts recently delivered a presentation at the Crawfords MCL Surveyors Technical Forum, providing attendees with a detailed look at the forensic investigation of property damage claims linked to extreme weather and structural loading.
The session was led by Jamie Paterson, Jack Allison and Simon Bateman, who shared their combined expertise through a series of case studies examining storm-related damage, snow loading, and subsidence.
The presentation explored how forensic engineering principles are applied to determine the root cause of structural failures, with particular emphasis on distinguishing between sudden, insurable events and gradual deterioration. Using real-world examples, they demonstrated how factors such as snow loads, wind forces, water ingress, and pre-existing defects can interact to compromise buildings in complex insurance claims.
Jamie explored cases involving snow loading, highlighting the challenges in assessing claims where data may be limited and conditions vary significantly. He emphasised the importance of comparing observed conditions against design standards and assessing whether structural capacity may have been reduced over time due to maintenance issues or degradation.
Simon presented case studies on storm damage and rainwater ingress, illustrating how detailed investigations, often incorporating historical records, site inspections and aerial imagery, can reveal whether weather events alone were responsible or whether underlying weaknesses in the structure played a key role.
Jack concluded with a subsidence-focused case study, demonstrating how forensic analysis can establish the timing and progression of damage, which is critical when determining policy response. His presentation highlighted the importance of historical evidence and site conditions in distinguishing between ongoing ground movement and newly occurring damage.
A consistent theme throughout the session was that successful claims investigation relies on a thorough understanding of both external forces and the internal structural condition, alongside the ability to interpret multiple sources of evidence. The forum provided an opportunity for surveyors and insurance professionals to gain practical insight into how forensic investigations support decision-making in complex claims.
If you would like one of our experts to investigate a case or present to your organisation, please contact us. Â
