Subrogation Letter Response Guide

Summary

If you receive a subrogation letter from an insurance company in Florida, you may be held responsible for damages if negligence is proven. Contact your insurance company and consult a lawyer to understand your rights and obligations. Gather evidence to prove you werent negligent, review your insurance policy, and respond to the subrogation letter promptly.

Full Conversation

I received a subjugation letter from real estate insurance company in Florida
Hello ****, subrogation is when an insurance company seeks reimbursement from the party who caused the damage. As per Florida law:
- Insurance companies can pursue subrogation after paying their policyholder.
- You're legally obligated to cooperate with your insurer's subrogation process.
Could you please specify the content of the letter?
Dear Officer or Agent: Please be advised I've been retained by United Property & Casualty Insurance Company, as subrogee of Jason Poppell, to represent its subrogation interests in the above referenced claim. Pursuant to Florida law my client seeks to enforce the rights and priorities of its Insured to the extent of its payments. * This loss was caused by the failure to maintain the plumbing within * Parrot Lane, Tallahassee, FL * ("Origin Property"). It is our understanding that on the date of loss the plumbing in the Origin Property failed. Water escaped the Origin Property and migrated to our adjacent Insured Property. Please review this demand and send a proposed release to my office for the full value of the claim.
Hello ****, the letter suggests that you're being held responsible for damages caused by a plumbing failure at your property. Under Florida law:
- You could potentially be liable if negligence can be proven.
- You may want to contact your insurance company for assistance.
- Consider consulting a lawyer to understand your rights and obligations.
Do I have to pay
As per Florida law, if you're found negligent in maintaining your property leading to the damage, you may have to pay. However, your insurance policy might cover such incidents. It's advisable to consult your insurance company and a lawyer for proper guidance.
What else can I do
You can:
- Gather evidence to prove you weren't negligent.
- Review your insurance policy to understand your coverage.
- Consult a lawyer to navigate the legal process.
- Respond to the subrogation letter in a timely manner.