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.
For example, if a fifteen-year-old HVAC unit suddenly bursts into flames, the initial reaction is to assume no recovery opportunities exist. Successful subrogation stems from knowing to ask the correct follow-up questions: Is there a service or maintenance agreement on the unit? If so, when did someone last check on it?
“Those kinds of questions can change the whole scenario if the answer is yes,” Vivian Conley, subrogation claims specialist at Engle Martin Claims Administrative Service, explained. “Being able to ask that extra question makes a huge difference.”
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