E. Metts Hardy, IAAI-CFI, CFEI, CHMT
has more than 36 years of experience conducting fire service and insurance-related investigations, specializing in Fires and Explosions
in Residential and Commercial Properties, Vehicles
He is the Practice Leader of the Fire Investigation Division within EFI Global. He assisted in the development of the company's standardized Fire FACS reporting system and makes regular updates to enhance performance and quality.
Mr. Hardy has conducted in excess of 3,000 fire origin and cause investigations. He has attended and instructed numerous seminars and continuing education programs related to fire investigation and NFPA 921 for the public and private sector.
Mr. Hardy provides expert witness testimony in state and federal courts in origin and causes of fires and explosions in Mississippi, Louisiana, Kentucky and Tennessee. He services are available to insurance companies and attorneys for both Plaintiff and Defense.
Areas of Expertise
Selected Project Experience
- Origin and Cause
- Failure Analysis
Licenses and Certifications
- Fire Investigation (TN) - Origin and cause investigation, four story nursing home, multiple fatalities. Investigation included fire dynamics and fire spread, and failure analysis to determine the fire cause
- Personal Injury Defense (TN) - origin and cause investigation into a gas leak and ensuing fire that critically burned a construction worker. Investigation determined that incident was result of negligence of individual filing suit
View Mr. Hardy's Consulting Profile
- National Board on Fire Service Professional Qualifications, #304063
- Certified Fire Investigator, IAAI, # 04-112034, 2011
- Certified Fire and Explosion Investigator, NAFI, #3808-544, 1992
- Certified Fire Causation Instructor, Tennessee State Fire School, 1991
- Certified Hazardous Materials Technician, Georgia Institute of Technology, #1000, 1992
- Licensed Private Investigator, Tennessee, #0000086, South Carolina,#PCD1513; Georgia, #04198
What does the insurer do once the fire is out? Normally, the property loss notice is submitted by the insured as soon as possible to begin the adjustment process, collect for damages, and get life back in order. The insurer takes this information and relates it to the adjuster, who then investigates and settles the claim. In fire losses, many times the adjuster will seek the services of a fire investigator or other expert to assist in determining the cause of loss so he or she can make an informed decision as to how to proceed with adjusting the claim. But the expert assigned to a certain loss can make all the difference in the world in how a claim is settled and whether there is an avenue for recovery of insurance funds or protection in potential liability claims.