Investigative & Forensics

Subrogation is an often overlooked part of claims adjusting, although it should not be because of its substantial benefits. Successful recoveries from subrogation provide insurance carriers with money they may not have anticipated; a pleasant surprise from a risk taker's perspective.

National forensic engineering firm, U.S. Forensic, recently undertook a large project to investigate a large number of braided stainless steel water heater connector failures for one of the largest property carriers in the country.

When a significant homeowner property loss occurs, the adjuster is keenly aware of the insureds desire to return to their home quickly after the reconstruction.

The concept of subrogation can be difficult for some to grasp. It involves looking at a loss with an entirely different lens to see what others may not when it comes to cause and origin for an event.

Insurance policies abound with the use of the phrase arising out of. Some policies provide coverage for injuries and damage that arise out of a certain event; other policies exclude coverage for injuries and damages that arise out of a certain event.

It's a lonely place under the bus all by yourself. This saying sums up the concept of subrogation and our attempts to identify other potentially responsible parties. Subrogation describes both the legal and equitable right of an insurer to pursue a third party that caused an insurance loss to the...