Subrogation (Home Claims): What It Means + Third-Party Liability
Reading time: ~5 minutes
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Subrogation is when an insurer pursues recovery from a responsible third party after paying a claim.
If someone else caused the damage, your file may involve third-party liability.
Examples where subrogation may apply
- Contractor negligence (plumbing installed incorrectly → leak → damage)
- Neighbor/condo unit leak damages your unit
- Service provider damages a valve or pipe
What to document
- Photos/video of the source and impacted areas
- Names, contact info, and invoices/work orders
- Written communications and a timeline of events
General information only. Outcomes depend on facts and insurer handling.