Subrogation: We will pursue it as if it were our own ...

That is what subrogation is all about. Simply stated, subrogation is the right to pursue someone else's claim. Let's say you buy a new furnace and have it installed. Shortly thereafter you have a house fire that may have been caused by faulty installation. You file a claim on your homeowners policy and Farmers pays to repair the damage minus your deductible.

How subrogation works

When the Farmers claims representative (CR) comes to your home, give him or her your purchase/repair receipt and installation invoice. The CR will pass them on to our professional Farmers subrogation team, which will go to work for you. If they can verify that the damage was caused by defective parts or faulty installation or repair, they will work on your behalf to recover the repair costs from the at-fault contractor or manufacturer. This could save you money because you might get back all or part of your out-of-pocket costs such as your deductible and any amount over your policy limit that might not have been covered. Contact me today for more information.