In the aftermath of a hurricane, property insurers often assume recovery prospects are non-existent. However, if there was recent work performed at the property, there may be subrogation potential. Recent roof work is often a major factor in exploring subrogation potential.  With respect to a failed roof after a storm, the subrogation evaluation involves three...

Florida Statute Section 624.155(6) is a significant provision affecting subrogation in Florida. This statute, enacted as part of a broader tort reform package in March 2023, addresses the complexities liability insurers face when dealing with multiple claimants with competing claims that exceed policy limits. Prior to the enactment of Florida Statute Section 624.155(6), liability insurers...

On March 24, 2023, Florida reduced the Statute of Limitations for negligence claims from 4 years to 2 years for any negligence causes of action arising after the amendment went into effect on that date.  Fla. Stat. § 95.11(4)(a); see also Florida House Bill 837, https://www.flsenate.gov/Session/Bill/2023/837.  Negligence if often pled in tandem with or as...

At one time or another, most subrogation professionals have struggled to track down an actual or alleged independent contractor involved with some scope of work relating to a loss.  In some cases, we also find that defenses are being raised that someone was an independent contractor versus a direct employee.  Often, we have to rely...