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ElementalForensic Services

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Forensic Engineering Investigation

A forensic engineering investigation answers a practical question: what physically happened to this property, and why? Anna Zimmerman, P.E. examines the site and the physical evidence, separates what can be observed from what is only assumed, and determines the engineering cause and extent of the damage — independently, for property owners, insurance professionals, public adjusters and attorneys across Florida.

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What a forensic investigation is — and why it matters

Damage is the result of something. A cracked slab, a stained ceiling or a displaced roof covering is only the visible end of a chain of events, and that chain is what matters when a loss has to be explained to someone else. A forensic engineering investigation works backwards from the damage to its cause, relying on the physical evidence at the property and accepted engineering principles rather than on the most convenient story.

The line between observation and assumption sits at the center of the work. “Water came in through the ceiling” and “wind lifted the roof covering” are different kinds of statement: the first may be plainly visible, the second is a conclusion that needs evidence behind it. An investigation records what was actually seen and measured, identifies every reasonable explanation for the same conditions, and tests each one against the evidence until those that do not fit are ruled out.

The outcome is an engineering determination of the cause and extent of damage: which conditions trace back to the event in question, which existed before it, and which have another explanation altogether — long-term moisture, deterioration, settlement or an installation problem. That determination is useful whichever side of a question you are on, because it rests on evidence that anyone can examine and test.

How the investigation is carried out

Observe. Each investigation begins with the property as found. Before any conclusion is considered, the site is examined methodically — the exterior, the roof where it can be safely accessed, the interior and, where relevant, the structure and foundation — and conditions are recorded in photographs, notes and measurements. Undamaged areas are documented as carefully as damaged ones, because the comparison between them is often what reveals the cause.

Investigate and document. The observations are then set against the circumstances of the loss: the reported date and event, the age and construction of the building, its maintenance and repair history, available weather information and any photographs or reports prepared by others. Each plausible mechanism — wind, water, settlement, deterioration, installation defects — is evaluated against the physical evidence, and the evidence that supports or excludes each one is recorded so the reasoning can be followed and checked.

Explain. The findings are explained in plain language: the engineering cause and extent of damage, the basis for each opinion and the limits of what the evidence can show — nothing more. When the assignment calls for a written report — for litigation, because a carrier or attorney requires one, or at your request — it is signed, dated and sealed by a Florida-licensed Professional Engineer. Either way, the work is documented, and the record is kept in the project file or delivered to you, as the engagement requires. Findings are provided to you and, at your direction, to your representatives.

What the work includes

  • An on-site inspection of the property as found, performed by Anna Zimmerman, P.E.
  • A photographic and written record of observed conditions, including undamaged areas for comparison, kept in the project file or delivered to you, as the engagement requires.
  • An engineering determination of the cause and extent of damage, separating event-related damage from wear, deterioration and other causes.
  • A review of prior reports, photographs, repair records and weather information, where they are available.
  • An explanation of the findings, and the reasoning behind them, in plain language.
  • A written engineering report, signed, dated and sealed by a Florida-licensed Professional Engineer, when the assignment calls for one.

Who this is for

  • Property owners facing an unclear or disputed cause of damage — including when another engineer’s report is already in the file — who need an independent evaluation of the physical evidence.
  • Insurance carriers and adjusters handling a disputed or technically complex loss who need an independent determination of cause and extent, with the basis for each conclusion documented for the file.
  • Public adjusters who need engineering findings on how and why the damage occurred, kept separate from the preparation and negotiation of the claim, which remain their work.
  • Attorneys who need a methodical evaluation of the physical evidence by a Florida-licensed Professional Engineer, with observations and assumptions kept clearly apart, as a foundation for expert opinion if the matter is litigated.

A second engineering opinion

If another engineer has already inspected the property — whether retained by an insurance company, a property owner or another party — an independent investigation is a second engineering opinion: a fresh evaluation of the physical evidence, not an appeal of anyone’s decision and not a promise of a different answer. Where the earlier report is available, it is reviewed alongside the site or, when the questions do not require a site visit, on its own as a desk review, which is limited to what the report, photographs and records show. The review assesses whether that report’s conclusions are supported by the physical evidence and accepted engineering methods; the new findings may confirm it, differ from it or refine it, and they explain which, and why. Opinions are formed only after examination of the available physical evidence and are stated to a reasonable degree of engineering certainty.

Talk through the loss before you decide

Tell us about the property, what happened and when, and any deadlines you are working against. You will hear back on whether a forensic engineering investigation is the right step and what it would involve.

Request a consultation

Inquiries answered within 48 hours

Call now(813) 308-9669