Glossary · legal
Subrogation
Your carrier recovering from the at-fault party after paying your claim.
When someone else caused your loss (a driver, a contractor, a neighbor), your carrier pays your claim and then goes after the at-fault party's insurance. You get your deductible back if subrogation succeeds.
In practice
Where you encounter "Subrogation" in Florida claims
Policyholders see "Subrogation" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Related terms
A signed document transferring your claim rights to a contractor.
The dominant cause of a loss in a chain of causation.
Defines and licenses public adjusters in Florida.
Sets carrier duties and deadlines.
Sets the notice-of-claim deadlines.
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Where else this term matters
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Glossary
Related insurance terms
Related glossary entry: Good Faith.
Related glossary entry: Consequential Loss.
Related glossary entry: Hurricane Supplemental.
Related glossary entry: Reinsurance.
Related glossary entry: Category 3 Water.
Related glossary entry: Labor Burden.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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