Report type 1
Basic Causation Report
A concise causation opinion for straightforward claims. Reviews documents and photographs and delivers a clear opinion on cause and consistency with the insured event.
The right tool for straightforward claims
Not every claim requires a full forensic investigation. Where the cause of damage is reasonably apparent from the documents and photographs — a burst pipe, a storm event with clear physical evidence, or a vehicle impact — a Basic Causation Report delivers a clear, signed opinion efficiently and at lower cost. It includes one site inspection of up to 2 hours. Meridian reviews the documents and photographs provided, inspects the site and issues a report on the Meridian Basic Causation template.
Basic Causation Report
Includes one site inspection of up to 2 hours. Suitable for straightforward claims where the cause is reasonably apparent.
Forensic Report
Site inspection included as standard; desktop only on request. For disputed, unclear, or litigation-bound claims requiring a thorough, defensible expert opinion. Learn more
When to instruct a Forensic Report instead
What is included
- Review of all documents and photographs provided
- Opinion on the cause of damage
- Whether the damage is consistent with the insured event
- Signed report on the Meridian Basic Causation template
- One site inspection of up to 2 hours, with labelled photographs
Not included: Repair methodology or scope of works. Reasoning is concise; where causation is disputed or a defensible expert opinion is required, a Forensic Report is the right instruction.
Who instructs a Basic Causation Report
Insurers
Where causation is reasonably clear from the claim documents and a concise independent opinion is needed to support the claims decision.
Loss adjusters
Where the documents and photographs are sufficient to form a reliable causation opinion and a full site investigation is not warranted.
Insurance builders
Where an independent causation opinion is needed before or during repairs on a straightforward claim.
Instruct a Basic Causation Report
Send us the matter details and we will confirm scope, fee and availability by return.