Commercial Lines

Insurance policies abound with the use of the phrase arising out of. Some policies provide coverage for injuries and damage that arise out of a certain event; other policies exclude coverage for injuries and damages that arise out of a certain event.

Imagine you are the person accountable for subrogation within your organization. You believe you have a good subrogation program in place. The claims team is a mix of seasoned and new adjusters with varying degrees of subro awareness.

On Jan. 5, 2011, plaintiff Kenneth Shinedling and his wife, Amy, were sleeping in the master bedroom of their home, when a fire started in their room.

When subrogation potential exists, recovering large losses is imperative to a carrier's bottom line. Yet often these losses can present the most challenges to subrogation efforts.

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.

National forensic engineering firm, U.S. Forensic, recently undertook a large project to investigate a large number of braided stainless steel water heater connector failures for one of the largest property carriers in the country.