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^ . %t % WW «W*Ww •••«■•• <br />Tiravclcgrinsurance <br />idThivtiorjGroupT" <br />MtNNEM’GUSnaDCfTKX <br />Traw«l»ra kaumnc* <br />646S Wqoatt Bouta¥«rd <br />P.0.60x35Mnrieapois. MN S5M0003S <br />January 23, 1996 <br />Hr. and Mrs. HilliaB Stoddard <br />2605 Kelly Avenue <br />Orono, MN 55305 <br />VTA FAX AMP MAIL <br />File No.: <br />Insured: <br />D/L: <br />SR07045 <br />Stoddard <br />lT/28/95 J r <br />••• <br />Dear Mr. Stoddard: <br />The purpose of this letter is to infora you of the results of <br />the Fire Loss Investigation Analysis Report provided to us by <br />Investigative/Loss Control Services. As you know, we had <br />investigator Jeffrey L. washinger of that firm investigate the <br />loss site to atteapt to Ucterainc the actual cause of the fire <br />to your carriage house. Mr. Washinger*s conclusxons are as <br />follows. Most importantly, Mr. Washinger did determine that <br />the fire in your carriage house was of an accidental nature. <br />His report indicates that the fire originated along the central <br />portion of the north wall conaon to the kitchen area of the <br />structure. Mr. Washinger*s report goes on to indicate that <br />based on the total destruction of the refrigerator, he <br />considers it a strong indication that the fire was likely <br />caucxsd by that refrigerator. Our problem at this point is that <br />there is not enough of Uik refrigerator left to do an accurate <br />analysis to determine the specific problem with it. <br />Mr. Waehlnger analyzed the burn patterns to support <br />conclusions regarding the fire starting in or around <br />refrigerator. <br />his <br />the <br />Due to the almost total amd complete destruction of the <br />refrigerator unit, Mr. Washingcr was not able to conclude the <br />exact failure mode. He does indicate that the fire flow <br />patterns emanating away from the refrigerator do lend support <br />to the theory of primary fire occurrence beginning in that <br />area. At this time, we are in discussions with Mr. Mashlnger <br />as well as Travelers Insurance Company Engineering personnel to <br />determine if there is enough evidence left to do an actual <br />analysis of the remaining refrigerator parts. <br />HQMl OfficeOno lowDr Scuare <br />Hartford. CT C6183 <br />i