Property subrogationΒΆ
Domain guide
Property recovery turns on cause attribution, contracts and two clocks. Six theories, each with its records, its defeats and a lab. Where the engine does not yet assess something an adjuster would, the page says so.
Contractor negligence
Defective work by a contractor caused the loss: a plumbing connection that failed, a roof that leaked after installation, electrical work that started a fire
Product liability (Property)
A defective appliance, fixture or building product caused the loss: a water heater, a dishwasher hose, a lithium battery, a defective breaker
Utility company negligence
A utility's negligence caused the loss: a power surge from a failed transformer, a water main failure, a gas leak
Tenant negligence
A tenant's conduct caused damage to the landlord insured's building: an unattended stove, a frozen pipe, an unreported leak
Municipal or governmental negligence
A governmental entity's negligence caused the loss: a failed municipal drainage system, a city tree, a water main under the city's control
Adjacent owner or third-party negligence
A neighbouring owner's or occupant's negligence caused the loss: a dead tree that fell, blocked drainage, a fire that spread, water intrusion from an adjoining unit
Landlord negligence
A landlord who controls the building and fails to repair a known or long-standing condition is liable for the tenant-insured's resulting loss
Vehicle impact
A driver strikes the insured building