The Problem: An environmental consultant insured by XL Environmental was called in to take soil samples following a fuel spill on a residential property. Months later, a flood on the property caused property damage to the stables. The property owner claimed that the contractor had failed to properly sample the water and soil following the remediation of the fuel spill, prompting the flood. A claim was filed on the homeowner’s property policy, and the carrier sought subrogation from XL Environmental.

The Response: An experienced environmental consultant performed a thorough investigation of the claim documents and determined several other possible causes for the flood. Because these other potential causes for damage were identified, the XL Environmental insured denied liability for the damage and further litigation was avoided.

The Benefits: XL Environmental’s staff has effectively managed thousands of environmental claims, treating both small and large incidents with the same level of service and expertise. The immediate response and technical expertise of XL Environmental’s in-house environmental consultant saved this client the expense and business interruption associated with lengthy litigation.