Subrogation Demands: Every carrier settles claims differently and has different priorities. We receive and audit subro demands and check to make sure that the demand represents true Actual Cash Value and true indemnification. Demands from commercial carriers can be very different from another PP&C carrier in terms of possible business decisions made to appease a first party customer with a large premium. Many commercial policies have underlying agreements of how a claim will be settled, that may not represent indemnification. We check for this and standardize the demand to normal materials and labor damage reports that can be demonstrated to the subrogee. A PP&C carrier rep. may be unfamiliar with the business interruption portion of a commercial claim. We have a process made by a CPA to quantify actual loss of gross profit for a business. We also handle loss of use of equipment and locations. If a file that we handled ends up in Arbitration we answer the petition and then rep the file in person at no extra charge to the carrier.is not yet settled. We stay in touch with the insured by mail and phone to let them know how the liability portion of the claim is going.
This was a claim where the insured truck rolled down an incline and into expensive granite slabs that the clmt had stacked on steel A- frames in the yard.
Photos of damaged granite provided by the subrogee.
Different view of the same damages.
In addition to the granite, custom built steel A frames were also damaged.
ID of some of the more expensive slabs provided by the subrogee.
Sample of one of the more expensive pieces of granite.
Sample of Blue Louisa Granite also claimed as damaged.
One of the claimant's milling machines. By using the subrogees own photos, and information provided by a competing manufacturer, we were able to make a mathematical case proving that the number of slabs claimed, and paid for by the subrogee could not possibly have been damaged. The demand was for $69,994.00 and the claim was settled for $49,000.00.