Subrogation with regard to a fire claim is an extremely effective means of recovering loss expenses. Whether it involves workmanship, product liability, product design or failure to warn, many of the same steps have to be initiated, documented, and properly performed before recovery is possible. For the sake of clarification, let's establish a definitive definition:
Subrogate: to put in the place of another, especially to substitute (as a second creditor) for another with regard to a legal right or claim.
Most claims handlers know exactly how the subrogation process plays out in the wake of an insurance claim. What may be less clear is how to set up your subrogation effort for success by following the right processes and working with the right people.
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