Identifying Subrogation Opportunities: The first thing that we do when handling either a 1st or 3rd party claim is to check that the liability position taken by the claim rep. agrees with what we are seeing and reading first hand. We check for comparative negligence and notify the file if our take on the liability differs from theirs. If it is a first party claim we also look for subrogation possibilities either from a manufactures defect or some other contributing negligence factor and report same back to the file. Cause an origin is always part of our final report.
This is a photo of a defective bathroom exhaust fan that caused the loss. We impounded the unit for the carrier to have analyzed and collected the fire marshals report to include with the unit.
This is the area where the faulty unit was mounted.