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Subrogation Blog

Workers’ Compensation Client – Closed File Review – Lien Recovery

The Challenge: The underlying WC claim arose out of two separate accidents which both occurred in February of 2006.  The first loss occurred on the 10th and the second on the 19th.  In both accidents the claimant’s vehicle was rear-ended and she sustained neck-related injuries as well as thoracic strain and a litany of low […]

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Workers’ Compensation Closed File Review

The Challenge: This workers’ compensation claim was identified by Spartan via a closed file review and involved a Claimant who suffered an injury to his right ear/hearing due to an explosion while working on property owned by a subcontractor in North Carolina. The Worker’s Compensation carrier paid $20,815.88 in medical and indemnity payments. The carrier […]

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Commercial Property Client – Large Dollar, Complex Case Referral

The Facts: This case involved a $1,077,562 property damage loss for a commercial insurance client. The risk was a grocery store that suffered a large fire loss in June 2009 when it was alleged the adverse party technician left combustible material near the burner assembly of the hot water heater causing a subsequent fire.   […]

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Incorrect Light Fixture Installation by Contractor Causes House Fire

The Challenge: This Property Claim was identified during our FNOL review and involved an electrical fire loss where payment was made to the policyholder in the amount of $153,569. The fire allegedly started due to a light fixture being installed improperly by the electrical contractor. Unfortunately, the light fixture was not preserved after the fire […]

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Neighbor’s Illegally Installed Generator Causes House Fire – FNOL

The Challenge: Claim identified via our First Notice of Loss Program and involved a large fire loss to the insured’s home caused by a fire originating from a neighbor’s home during Hurricane Sandy. The Total Loss of insured’s home brought the paid claim value to $627,629. The property where the fire originated was completely destroyed […]

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Neglectful Neighbor’s Hazardous Tree Causes Extensive Damage – FNOL

The Challenge: This claim was identified via our First Notice of Loss Review Program for one of our property clients. The claim involved a loss in which the client insured had placed his neighbor on notice that their tree was a hazard prior to Hurricane Sandy.. The storm caused the tree to fall onto the […]

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Water Damage due to Incorrect Plumbing Installation – FNOL

The Challenge: This claim was identified during our First Notice of Loss Review Program for one of our property clients involving a water damage claim due to a finishing nail which penetrated a pipe in the insured residence during renovations when the plumber failed to install nail guards on two studs where the hot water […]

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Automobile Client – Open File Review – Loss Transfer Subrogation-Arbitration

The Challenge: This automobile PIP Loss Transfer claim involved the insured vehicle traveling on a main roadway near the train station when the adverse vehicle pulled from a stop sign from the train station parking lot directly into the right side of the passing insured vehicle causing extensive property damages as well as significant injuries […]

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Transportation Automobile Client – Referral for Uninsured Case

The Challenge: This claim was referred to us by our transportation client to pursue an uninsured motorist who had caused substantial damages to the client vehicle. All efforts to confirm third party insurance coverage were exhausted by the client prompting referral to Spartan Recoveries.   The Outcome: Upon receipt of the claim further investigation and […]

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Automobile Client Closed File Review

The Challenge: Our client had closed their file noting no potential for recovery in this venue in Manitoba, Canada. The police report had blacked out private information making it difficult to review and identify the adverse party and carrier. We researched further and were able to obtain a report which identified the needed information to […]

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