By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Subrogation is your insurer's right to pursue recovery from a third party who caused your loss. After paying your claim, the carrier steps into your shoes to recover from the liable party. Your job is to preserve evidence, cooperate, and not release the third party without consent. If subrogation succeeds, you typically recover your deductible proportionally.
Common scenarios
- Neighbor's tree fell on your house: insurer pays you, then pursues neighbor
- Contractor damaged your property during unrelated work
- Defective product caused fire or water damage
Your obligations
- Preserve evidence
- Don't release the third party without carrier consent
- Cooperate with the subrogation investigation
Your deductible
If subrogation succeeds, you typically recover your deductible proportionally.