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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.

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