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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.

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