Adjuster's Subrogation Referral

Adjuster's Subrogation Referral is a 1-page legal document that was released by the U.S. Department of Homeland Security - Federal Emergency Management Agency and used nation-wide.

FAQ

Q: What is an Adjuster's Subrogation Referral?
A: An Adjuster's Subrogation Referral is when an insurance adjuster requests that the subrogation department investigate and pursue recovery for a claim they have paid.

Q: What does subrogation mean?
A: Subrogation is the legal right of an insurance company to seek reimbursement from a third party who is responsible for causing a loss to their insured.

Q: Why would an insurance adjuster make a subrogation referral?
A: An insurance adjuster would make a subrogation referral to recover the money they paid out for a claim from the party responsible for the loss.

Q: How does the subrogation process work?
A: The subrogation process involves the insurance company investigating the circumstances of the claim, identifying any third parties who may be liable, and pursuing reimbursement from them through negotiation or legal action.

Q: What happens if the subrogation is successful?
A: If the subrogation is successful, the insurance company recovers the money they paid out for the claim, which helps to keep premiums lower for their insured.

Q: Can I make a subrogation referral as a policyholder?
A: As a policyholder, you can report an incident to your insurance company that you believe involves a third party who may be responsible for your loss. The insurance company can then decide if they want to pursue subrogation on your behalf.

Q: What should I do if I receive a subrogation referral from my insurance adjuster?
A: If you receive a subrogation referral from your insurance adjuster, it means they believe another party may be responsible for causing your loss. You should provide any requested information or documentation to assist with the subrogation process.