If you have recently experienced a fire in your home, or place of business, this article is definitely for you. One of the parts of the investigation and evaluation of a fire damage claim will usually consist of questions the fire department personnel and the insurance claims adjuster will ask you. The questions will concern the condition of the electrical system of the structure occupied immediately prior to the fire. Such questions as, did you recently purchase an appliance, have any electrical repair work done, or notice anything different concerning the way in which your appliances operated?

If prior to the fire you noticed your electrical appliances not operating as they should, and if you are one of the millions of homes and businesses that have had an electrical smart meter installed, you need to advise your insurance company of the fact of the smart meter installation.

Advising your company of this fact will not alter the way in which they adjust the claim, but it will create an avenue of recovery for the funds paid to you and also for reimbursement of your deductible.

As early as 2011, fire damage began to be linked to smart meter installation. Commonwealth Edison of Illinois stated “three smart meter fires were confirmed in their operating area.” Also, in the same time frame, Peco Energy went so far as to suspend installations in the Mid-Atlantic States of the Smart Meter after confirmed reports of 15 smart meter related fires.

If you experienced situations in which your electrical appliances would flicker, or make crackling noises prior to the fire, or completely fail, you may be the victim of a smart meter which was manufactured incorrectly, or installed incorrectly.

In most cities and counties in this country when a fire of any significance takes place, the fire department will notify the power company, and they will usually respond and remove the meter. This creates a problem in that if a smart meter related fire is apparent, the insurance company should have the right to examine the meter to determine if it is the source of the fire.

I have come to see that if the power company decides not to co-operate it will be necessary to obtain a subpoena and have it served on the Power Company to have the right to examine the meter, as well as a record of the meter’s operation 24 hours prior to the fire. This record is the information the smart meter sends by a surge of energy to an orbiting satellite, which in turn sends that same information concerning your power usage to your Power Company.

If a qualified electrical engineer can determine abnormal fluctuations in the smart meter’s operation which may have caused the fire, you may stand a chance of recovering the amount of your deductible. Your insurance company could also stand a very good chance of recovering their payments for your fire damage repair.

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