Subrogation: How It Affects Your Recovery

The short answer

Subrogation is your insurer pursuing the at-fault party to recover what it paid on your claim, and potentially your deductible. Strong documentation of cause and damage is what supports it.

When it matters

If a third party (a contractor, a neighboring tenant, a product failure) caused your loss, your insurer may pursue them, which can ultimately return your deductible.

Documentation is the lever

Subrogation succeeds on evidence: what caused the loss, what it damaged, and what recovery cost. Weak records undercut the insurer's ability to recover.

Built into how we document

BuildWise documents cause and extent thoroughly, which supports both your claim and any subrogation your carrier pursues.

Talk to BuildWise about your loss