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3 keys to successful subrogation. While there are many complexities in renters and homeowners subrogation, there are some simple solutions to help improve an insurer’s chances of success. (Photo: Shutterstock)

Subrogation is a funny thing, and I don’t mean that facetiously. Imagine the surprise as an insured awakes in the middle of the night, water dripping on her head, bed soaked through.  Being a sound sleeper, she never realized that the condo above her was leaking like a sieve.   Flipping on the lights, she leaps out of bed, hitting the floor with a splash as her brand new wood floors turned into Lake Gitchegumee.

She sprints up the flight of stairs from her condo, pounding on the owner’s door.  No answer.  Summoning the property manager and the local fire department, they enter the premise, and are met by a glaring cat standing on the bathroom sink as water pours over the edge onto the floor.

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