Subrogation_NN1 is_VBZ the_AT0 assumption_NN1 by_PRP a_AT0 third_ORD party_NN1 (_PUL such_DT0 as_PRP a_AT0 second_ORD creditor_NN1 or_CJC an_AT0 insurance_NN1 company_NN1 )_PUR of_PRF another_DT0 's_VBZ legal_AJ0 right_AV0 to_TO0 collect_VVI a_AT0 debt_NN1 or_CJC damages_NN2 ._SENT However_AV0 ,_PUN that_DT0 definition_NN1 neglects_VVZ the_AT0 businesses_NN2 that_CJT use_VVB either_AV0 self-insured_AJ0 retention_NN1 (_PUL SIR_NP0 )_PUR or_CJC a_AT0 large_AJ0 deductible_NN1 to_TO0 reduce_VVI the_AT0 cost_NN1 of_PRF property_NN1 insurance_NN1 premiums_NN2 ._SENT When_CJS a_AT0 company_NN1 uses_VVZ either_DT0 of_PRF these_DT0 financial_AJ0 tools_NN2 ,_PUN it_PNP can_VM0 pursue_VVI at-fault_AJ0 parties_NN2 to_TO0 recover_VVI the_AT0 amount_NN1 of_PRF money_NN1 it_PNP incurred_VVD for_PRP a_AT0 particular_AJ0 loss_NN1 ._SENT 
With_PRP the_AT0 continuing_AJ0 hardening_NN1 of_PRF the_AT0 insurance_NN1 market_NN1 ,_PUN many_DT0 companies_NN2 are_VBB increasing_VVG the_AT0 level_NN1 of_PRF the_AT0 SIR_NN1 or_CJC deductible_AJ0 ._SENT As_CJS a_AT0 result_NN1 ,_PUN claims_NN2 falling_VVG within_PRP these_DT0 higher_AJC SIR_NN1 levels_NN2 can_VM0 be_VBI significant_AJ0 ._SENT The_AT0 following_AJ0 is_VBZ a_AT0 road_NN1 map_NN1 for_PRP maximizing_VVG recovery_NN1 for_PRP property_NN1 losses_NN2 that_CJT are_VBB not_XX0 paid_VVN by_PRP insurers_NN2 ._SENT 
Investigating_VVG the_AT0 Facts_NN2 
All_DT0 losses_NN2 are_VBB caused_VVN by_PRP something_PNI ._SENT A_AT0 timely_AJ0 investigation_NN1 is_VBZ necessary_AJ0 to_TO0 figure_VVI out_AVP what_DTQ caused_VVD the_AT0 loss_NN1 and_CJC to_TO0 identify_VVI any_DT0 potential_AJ0 at-fault_AJ0 parties_NN2 ._SENT Start_VVB with_PRP a_AT0 simple_AJ0 question_NN1 :_PUN Does_VDZ a_AT0 recovery_NN1 opportunity_NN1 potentially_AV0 exist_VVB ?_SENT Until_CJS proven_VVN otherwise_AV0 ,_PUN the_AT0 answer_NN1 should_VM0 be_VBI yes_ITJ ._SENT The_AT0 key_NN1 is_VBZ to_TO0 identify_VVI a_AT0 viable_AJ0 theory_NN1 of_PRF recovery_NN1 and_CJC a_AT0 target_NN1 party_NN1 ._SENT If_CJS the_AT0 responsible_AJ0 party_NN1 has_VHZ liability_NN1 insurance_NN1 or_CJC sufficient_AJ0 assets_NN2 ,_PUN you_PNP are_VBB on_PRP your_DPS way_NN1 ._SENT 
For_PRP both_DT0 uninsured_AJ0 and_CJC subrogated_AJ0 claims_NN2 ,_PUN a_AT0 timely_AJ0 and_CJC thorough_AJ0 investigation_NN1 of_PRF the_AT0 facts_NN2 is_VBZ critical_AJ0 ._SENT As_CJS the_AT0 party_NN1 pursuing_VVG a_AT0 potential_AJ0 wrongdoer_NN1 (_PUL tortfeasor_NN1 )_PUR ,_PUN the_AT0 burden_NN1 of_PRF proving_VVG your_DPS theory_NN1 is_VBZ on_PRP you_PNP ._SENT Your_DPS claim_NN1 is_VBZ unlikely_AJ0 to_TO0 succeed_VVI without_PRP a_AT0 clear_AJ0 picture_NN1 of_PRF what_DTQ took_VVD place_NN1 and_CJC the_AT0 supporting_AJ0 evidence_NN1 ._SENT For_PRP many_DT0 claims_NN2 ,_PUN recovery_NN1 is_VBZ determined_VVN by_PRP the_AT0 physical_AJ0 evidence_NN1 ._SENT 
Having_VHG a_AT0 post-loss_AJ0 investigation_NN1 procedure_NN1 in_PRP place_NN1 —_PUN preferably_AV0 in_PRP writing_NN1 —_PUN will_VM0 create_VVI a_AT0 consistent_AJ0 approach_NN1 and_CJC improve_VVB identification_NN1 of_PRF potential_AJ0 recovery_NN1 opportunities_NN2 ._SENT Providing_VVG field_NN1 staff_NN0 with_PRP a_AT0 checklist_NN1 or_CJC questions_NN2 that_CJT get_VVB at_PRP the_AT0 "_PUQ who_PNQ ,_PUN what_DTQ ,_PUN when_AVQ ,_PUN where_AVQ ,_PUN why_AVQ and_CJC how_AVQ "_PUQ of_PRF each_DT0 loss_NN1 will_VM0 identify_VVI claims_NN2 to_TO0 pursue_VVI ,_PUN and_CJC help_VVB to_TO0 eliminate_VVI cases_NN2 with_PRP no_AT0 recovery_NN1 potential_NN1 ._SENT Those_DT0 15_CRD minutes_NN2 of_PRF focus_NN1 on_PRP recovery_NN1 or_CJC subrogation_NN1 rights_NN2 after_CJS damages_NN2 occur_VVB will_VM0 be_VBI very_AV0 valuable_AJ0 ._SENT 
For_PRP example_NN1 ,_PUN assume_VVB one_CRD of_PRF your_DPS locations_NN2 suffers_VVZ water_NN1 damage_NN1 and_CJC the_AT0 only_AJ0 detail_NN1 about_PRP the_AT0 loss_NN1 indicates_VVZ "_PUQ water_NN1 line_NN1 to_PRP refrigerator_NN1 leaked_VVD ._SENT "_PUQ On_PRP the_AT0 surface_NN1 ,_PUN this_DT0 may_VM0 not_XX0 look_VVI like_PRP a_AT0 claim_NN1 with_PRP recovery_NN1 potential_NN1 ._SENT However_AV0 ,_PUN asking_VVG a_AT0 few_DT0 additional_AJ0 questions_NN2 may_VM0 reveal_VVI the_AT0 refrigerator_NN1 was_VBD recently_AV0 serviced_VVN and_CJC the_AT0 repair_NN1 person_NN1 crimped_VVD the_AT0 water_NN1 line_NN1 ._SENT Securing_VVG a_AT0 copy_NN1 of_PRF the_AT0 repair_NN1 invoice_NN1 will_VM0 help_VVI support_VVI your_DPS claim_NN1 and_CJC identify_VVB the_AT0 target_NN1 party_NN1 ._SENT If_CJS such_DT0 questions_NN2 are_VBB not_XX0 asked_VVN ,_PUN the_AT0 opportunity_NN1 to_PRP subrogate_NN1 may_VM0 be_VBI lost_VVN ._SENT 
Preserving_VVG Evidence_NN1 
As_CJS the_AT0 potential_AJ0 plaintiff_NN1 in_PRP the_AT0 case_NN1 ,_PUN you_PNP have_VHB a_AT0 legal_AJ0 obligation_NN1 to_TO0 preserve_VVI relevant_AJ0 evidence_NN1 ._SENT Failure_NN1 to_TO0 preserve_VVI evidence_NN1 allows_VVZ the_AT0 target_NN1 party_NN1 to_TO0 assert_VVI a_AT0 spoliation_NN1 argument_NN1 ._SENT You_PNP are_VBB required_VVN to_TO0 preserve_VVI the_AT0 evidence_NN1 and_CJC allow_VVB the_AT0 target_NN1 party_NN1 the_AT0 opportunity_NN1 to_TO0 conduct_VVI a_AT0 joint_AJ0 inspection_NN1 or_CJC an_AT0 inspection_NN1 of_PRF their_DPS own_DT0 ._SENT 
If_CJS possible_AJ0 ,_PUN try_VVB to_TO0 preserve_VVI the_AT0 entire_AJ0 scene_NN1 until_PRP the_AT0 subrogation_NN1 investigation_NN1 is_VBZ complete_AJ0 ._SENT This_DT0 may_VM0 not_XX0 always_AV0 be_VBI possible_AJ0 or_CJC practical_AJ0 ,_PUN especially_AV0 on_PRP smaller_AJC losses_NN2 or_CJC in_PRP situations_NN2 where_AVQ repairs_NN2 are_VBB needed_VVN to_TO0 continue_VVI to_TO0 operate_VVI your_DPS business_NN1 ._SENT If_CJS a_AT0 full_AJ0 scene_NN1 preservation_NN1 is_VBZ not_XX0 possible_AJ0 ,_PUN preserve_VVB the_AT0 area_NN1 of_PRF origin_NN1 and_CJC secure_VVB the_AT0 evidence_NN1 (_PUL the_AT0 part_NN1 or_CJC item_NN1 you_PNP believe_VVB caused_VVN the_AT0 loss_NN1 )_PUR ,_PUN as_CJS well_AV0 as_CJS key_AJ0 evidence_NN1 that_CJT was_VBD ruled_VVN out_AVP but_CJC others_NN2 might_VM0 claim_VVI caused_VVN the_AT0 loss_NN1 ._SENT 
Other_AJ0 forms_NN2 of_PRF evidence_NN1 include_VVB ,_PUN but_CJC are_VBB not_XX0 limited_AJ0 to_TO0 :_PUN 
Photos_NN2 of_PRF the_AT0 scene_NN1 ,_PUN failed_VVD part_NN1 or_CJC item_NN1 believed_VVD to_TO0 have_VHI caused_VVN the_AT0 loss_NN1 
Documents_NN2 outlining_VVG ownership_NN1 ,_PUN maintenance_NN1 and_CJC control_NN1 
Contracts_NN2 ,_PUN leases_NN2 ,_PUN security_NN1 system_NN1 data_NN0 ,_PUN warehouse_NN1 receipts_NN2 and_CJC bills_NN2 of_PRF lading_NN1 
Police_NN2 and_CJC fire_NN1 reports_NN2 
Weather_NN1 reports_NN2 
Inventory_NN1 records_NN2 
Warranty_NN1 documents_NN2 
Product_NN1 recall_NN1 data_NN0 
Note_VVB that_CJT losses_NN2 caused_VVN by_PRP faulty_AJ0 products_NN2 often_AV0 require_VVB examination_NN1 by_PRP an_AT0 expert_NN1 ,_PUN depending_VVG on_PRP the_AT0 extent_NN1 of_PRF the_AT0 damages_NN2 ,_PUN but_CJC the_AT0 utility_NN1 of_PRF using_VVG an_AT0 expert_NN1 will_VM0 depend_VVI on_PRP the_AT0 extent_NN1 of_PRF damage_NN1 ._SENT It_PNP does_VDZ not_XX0 make_VVI sense_NN1 to_TO0 incur_VVI a_AT0 $_NN0 1_CRD ,_PUN 000_CRD expense_NN1 for_PRP an_AT0 expert_NN1 on_PRP a_AT0 $_NN0 2_CRD ,_PUN 500_CRD claim_NN1 ,_PUN but_CJC it_PNP does_VDZ for_PRP a_AT0 potentially_AV0 viable_AJ0 $_NN0 25_CRD ,_PUN 000_CRD claim_NN1 ._SENT 
Notifying_VVG the_AT0 Adverse_AJ0 Party_NN1 
With_PRP your_DPS initial_AJ0 investigation_NN1 complete_AJ0 ,_PUN a_AT0 theory_NN1 of_PRF liability_NN1 developed_VVN ,_PUN and_CJC a_AT0 potential_AJ0 target_NN1 party_NN1 identified_VVN ,_PUN it_PNP is_VBZ time_NN1 to_TO0 notify_VVI that_DT0 party_NN1 of_PRF the_AT0 loss_NN1 ._SENT The_AT0 notice_NN1 letter_NN1 outlines_VVZ the_AT0 facts_NN2 of_PRF the_AT0 loss_NN1 (_PUL date_NN1 ,_PUN time_NN1 ,_PUN location_NN1 )_PUR and_CJC informs_VVZ the_AT0 recipient_NN1 of_PRF why_AVQ you_PNP believe_VVB they_PNP or_CJC their_DPS product_NN1 contributed_VVN to_PRP the_AT0 loss_NN1 ._SENT You_PNP should_VM0 also_AV0 notify_VVI the_AT0 target_NN1 to_TO0 preserve_VVI relevant_AJ0 evidence_NN1 ._SENT If_CJS you_PNP know_VVB the_AT0 full_AJ0 extent_NN1 of_PRF the_AT0 damages_NN2 ,_PUN include_VVB that_DT0 information_NN1 in_PRP the_AT0 letter_NN1 ._SENT However_AV0 ,_PUN if_CJS total_AJ0 damage_NN1 remains_VVZ unknown_AJ0 ,_PUN simply_AV0 state_VVB that_CJT the_AT0 full_AJ0 repair_NN1 or_CJC replacement_NN1 costs_NN2 are_VBB not_XX0 final_AJ0 ._SENT 
If_CJS the_AT0 scene_NN1 was_VBD preserved_VVN ,_PUN clearly_AV0 provide_VVB that_DT0 detail_NN1 in_PRP the_AT0 notice_NN1 letter_NN1 ._SENT Provide_VVB a_AT0 specific_AJ0 but_CJC reasonable_AJ0 time_NN1 frame_NN1 for_PRP the_AT0 other_AJ0 side_NN1 to_TO0 complete_VVI an_AT0 on-site_AJ0 inspection_NN1 ._SENT If_CJS evidence_NN1 was_VBD removed_VVN or_CJC secured_VVN ,_PUN you_PNP should_VM0 offer_VVI to_TO0 allow_VVI the_AT0 other_AJ0 side_NN1 's_POS expert_NN1 to_TO0 inspect_VVI the_AT0 item_NN1 (_PUL with_PRP non-destructive_AJ0 testing_NN1 )_PUR ._SENT 
Getting_VVG to_PRP the_AT0 Finish_NN1 Line_NN1 
Once_AV0 you_PNP have_VHB completed_VVN the_AT0 investigation_NN1 ,_PUN identified_VVD the_AT0 facts_NN2 and_CJC the_AT0 at-fault_AJ0 party_NN1 ,_PUN and_CJC notified_VVD them_PNP of_PRF your_DPS intent_NN1 to_TO0 pursue_VVI recovery_NN1 ,_PUN one_CRD of_PRF three_CRD outcomes_NN2 is_VBZ likely_AJ0 :_PUN 1_CRD )_PUR the_AT0 other_AJ0 party_NN1 will_VM0 ignore_VVI your_DPS notification_NN1 letter_NN1 ;_PUN 2_CRD )_PUR the_AT0 other_AJ0 party_NN1 (_PUL or_CJC their_DPS representative_NN1 )_PUR will_VM0 deny_VVI any_DT0 responsibility_NN1 ;_PUN or_CJC 3_CRD )_PUR the_AT0 other_AJ0 party_NN1 's_POS in-house_AJ0 claims_NN2 department_NN1 ,_PUN third-party_AJ0 administrator_NN1 or_CJC insurer_NN1 will_VM0 contact_VVI you_PNP to_TO0 discuss_VVI the_AT0 matter_NN1 further_AV0 ._SENT 
The_AT0 first_ORD outcome_NN1 requires_VVZ a_AT0 bit_NN1 of_PRF reflection_NN1 on_PRP your_DPS part_NN1 ._SENT Weigh_VVB the_AT0 overall_AJ0 strength_NN1 of_PRF your_DPS case_NN1 and_CJC the_AT0 damages_NN2 sustained_VVN against_PRP the_AT0 expenses_NN2 you_PNP are_VBB likely_AJ0 to_TO0 incur_VVI ._SENT As_CJS mentioned_VVN previously_AV0 ,_PUN spending_VVG $_NN0 1_CRD ,_PUN 000_CRD to_TO0 pursue_VVI $_NN0 2_CRD ,_PUN 500_CRD with_PRP no_AT0 guarantee_NN1 of_PRF success_NN1 is_VBZ not_XX0 economically_AV0 sound_VVI ._SENT 
Outcome_NN1 two_CRD ,_PUN a_AT0 direct_AJ0 denial_NN1 from_PRP the_AT0 other_AJ0 party_NN1 ,_PUN should_VM0 not_XX0 be_VBI too_AV0 surprising_AJ0 ._SENT These_DT0 cases_NN2 should_VM0 also_AV0 prompt_VVI you_PNP to_TO0 consider_VVI the_AT0 strength_NN1 of_PRF your_DPS claim_NN1 and_CJC the_AT0 costs_NN2 you_PNP may_VM0 incur_VVI continuing_AJ0 to_TO0 pursue_VVI the_AT0 recovery_NN1 ._SENT If_CJS you_PNP believe_VVB that_CJT you_PNP have_VHB a_AT0 legitimate_AJ0 theory_NN1 of_PRF liability_NN1 and_CJC the_AT0 economics_NN1 warrant_NN1 continuing_VVG your_DPS efforts_NN2 ,_PUN reach_VVB out_AVP to_PRP the_AT0 other_AJ0 party_NN1 for_PRP specifics_NN2 on_PRP the_AT0 denial_NN1 ._SENT You_PNP may_VM0 get_VVI information_NN1 that_CJT supports_VVZ the_AT0 other_AJ0 side_NN1 ._SENT While_CJS this_DT0 may_VM0 be_VBI bad_AJ0 news_NN1 ,_PUN ending_VVG your_DPS pursuit_NN1 on_PRP this_DT0 non-viable_AJ0 claim_NN1 allows_VVZ you_PNP to_TO0 focus_VVI on_PRP other_AJ0 more_DT0 promising_AJ0 claims_NN2 ._SENT Having_VHG numerous_AJ0 open_AJ0 files_NN2 with_PRP no_AT0 chance_NN1 of_PRF recovery_NN1 does_VDZ not_XX0 help_VVI you_PNP ._SENT 
