A ₹3.2 crore fire claim for destroyed textile inventory. The inventory had been sold two weeks before the fire.
An insurer referred us a fire claim that had passed the surveyor's initial assessment: a textile warehouse gutted overnight, claiming ₹3.2 crore of inventory. The fire brigade report was genuine, the premises genuinely destroyed. But the claimant's urgency and a tip from a rival trader made the claims committee uneasy.
We reconstructed the inventory's paper trail. Transport records showed six truck movements out of the warehouse in the fortnight before the fire — booked under a sister concern's name. Field enquiries located the goods in a rented godown across town, and we photographed the same lot numbers listed in the claim. A former employee, interviewed carefully, described the stock being moved 'for renovation'. The electrical short-circuit had been helped along.
Our report gave the insurer transport receipts, godown photographs matching claimed lot numbers, and witness statements. The claim was repudiated and the file handed to police for prosecution under Section 420. The insurer estimates the save at ₹3.2 crore; the claimant is currently facing trial.
Client names, locations and identifying details have been altered to protect confidentiality. Amounts and methods are reported as they occurred.
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