Cozen O’Connor is closely monitoring two simultaneous wildfire events impacting portions of South Georgia and North Florida as the region experiences a severe drought.  

Highway 82 Fire 

Affected Zip Codes: 31513, 31566, 31553, 31523, and 31525 

The “Highway 82” fire began in Brantley County, Georgia on April 20, 2026. Early investigation has determined the cause of this fire was likely a metallic balloon striking a power line, causing sparks to fall to unseasonally dry grass and vegetation. This fire was reported as 75% contained as of May 4, 2026, thanks in large part to a series of recent rainstorms. The point of origin is near the intersection of Gallberry Road and Highway 82. 

Pineland Road Fire

Affected Zip Codes: 31631, 31634, 31649, and 31632 
A companion fire, the Pineland Road Fire, has been reported to be 44% contained as of May 4, 2026. The leading theory of causation is welding activity by a private homeowner, whose name and address have gone undisclosed.  

Early Evaluation Of Subrogation Viability Is Critical 

Of note, at least eight other smaller wildfires have begun in the region over the past week, and little information is currently available on their respective causes. Over 120 homes and structures have reportedly been damaged or destroyed due to these fires. As insured losses begin to emerge from these fires, early evaluation of subrogation viability is critical. From a recovery standpoint, wildfire claims in this region often turn on issues such as origin and cause determination, utility involvement, land management practices, controlled burn activity, and compliance with applicable burn bans or safety regulations. Where fires originate near power infrastructure, rights-of-way, agricultural operations, or construction activity, meaningful third-party recovery opportunities may exist. Conversely, widespread acts of nature defenses and causation challenges can narrow viable targets if not addressed early. 

Unfortunately, early information on the cause of these wildfires is unpromising for subrogation. The private homeowner will likely lack sufficient insurance and/or assets to cover the volume of high-dollar claims that are expected. Likewise, it will be difficult to prove that the utility company breached a standard of care because a stray balloon contacted its power line, unless evidence emerges with respect to a possible failure to maintain the lines and/or clear vegetation from around the lines. Georgia’s Public Service Commission, in particular, does not prescribe specific trim distances with respect to trees and vegetation.