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The course, “Subrogation Claims: Overcoming Legal Defenses and Common Pitfalls,”
describes potential successful subrogation claims and identifies the proper
methods to respond to the initial claim, preserve evidence, and maximize
recovery.

The module is presented by Amy O’Rorke, CPCU, AIC, ARM, National
General Adjuster with Cunningham Lindsey, and Mark Senak, JD, Partner with Senak
Keegan Gleason Smith & Michaud, Ltd.

The goal of the course is to identify
recurring fact patterns that trigger common defenses to subrogation claims,
analyze elements of common subrogation defenses, develop strategies to overcome
these defenses, examine practical difficulties encountered in subrogation,
including loss site management and joint prosecution agreements, and explore ways
to resolve subrogation challenges and streamline the recovery process.

After completing the course, the attendee will be able to identify the risk
of doing nothing; describe the anti-subrogation doctrine and it’s effect on
landlord-tenant cases; outline the elements of the Act of God defense; explain
the Sovereign Immunity defense; understand the discretionary function exception
within tort immunity statutes; list the factors that negate tort immunity; define
spoliation and outline the best practices to avoid spoliation; identify the
pitfalls in preserving evidence; list the steps in evidence preservation;
understand how to read contractual provisions affecting subrogation; outline
strategies for overcoming the A 201 waiver; outline how alienating the insured
can affect the subrogation case; define real party in interest; clarify the
importance of joint prosecution agreements; interpret the economic loss doctrine;
differentiate the measure of damages under the law and under the policy;
illustrate how to determine if the repair cost is the proper measure; and
identify the statute of limitations and the statute of repose.

The course
is designed for insurance claims professionals in the property coverage arena.

What CE Credit is available?

Note: To qualify for credit, you must submit completion (including a passed final exam if required) within five days of completing the last quiz. No partial credits will be awarded.

State:
Adjuster General
CE Hours:
Adjuster Ethics
CE Hours:
Attorney General
CLE Hours:
State's Course ID:
NH 2.0 482663
TX (classroom equivalent) 1.0 100716
NC 2.0 200737
FL * ( Provider Number: 364169 ) 3.0 (Not Approved for 5-Hour Requirement) 1200492
IL 2.0 485563
WY 2.0 35109
OK 2.0 1023589

* This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Course Content

Lesson Content

1) Introduction
2) Pitfall #10: Do nothing
3) Pitfall #9: Assume there is no chance of subrogation
a) The Anti-Subrogation Doctrine
i) Where does it arise?
ii) Tenant considered a co-insured
(1) Express waiver states
(2) Implied waiver states
(3) Enacted by statute
iii) Landlord-tenant cases
4) Pitfall #8: Try to sue God
a) Elements of Act of God Defense
b) Ways to overcome Act of God Defense
c) Theories of liability to overcome Act of God Defense
5) Case Study 1
6) Recap

Lesson Content

1) Pitfall #7: Try to sue the government
a) The Sovereign Immunity Defense
b) Discretionary Function Exception
2) Case Study 2
3) Case Study 3
4) Pitfall #7: Try to sue the government
a) Factors negating tort immunity
5) Recap

Lesson Content

1) Pitfall # 6: Spoliation
a) How it affects your subrogation case
b) Best practices to avoid spoliation
c) Judicial standard
d) Solution
e) Key fact
f) Pitfalls in preserving evidence
g) Steps to evidence preservation
h) Subsequent testing
2) Recap

Lesson Content

1) Pitfall # 5: Don’t request or read the documents
a) Contractual provisions affecting subrogation
i) Waivers of subrogation
(1) The A 201 waiver
(2) Strategies for overcoming A 201
2) Pitfall # 4: Alienate the insured
a) How it affects the subrogation case
i) Real Party in Interest
3) Recap

Lesson Content

1) Pitfall # 4: Alienate the insured (continued from Part 4)
a) How it affects the subrogation case
i) Arguments for the insured made whole
ii) Arguments for the insurer made whole
iii) Who gets the money
b) Equitable considerations
c) Solution: Joint prosecution agreements
2) Pitfall # 3: The Economic Loss Doctrine
a) How do you overcome it?
3) Case Study 4
4) Recap

Lesson Content

1) Pitfall # 2: Miscalculate the recoverable damages
a) Measure of damages
i) Under the policy
ii) Under the law
b) To overcome the pitfall
c) To determine if repair cost is the proper measure
2) Pitfall # 1: Blow the statute
a) Statute of limitations
i) Common pitfall
ii) Uniform Commercial Code (UCC)
iii) Construction cases
b) Statute of repose
i) Construction
ii) Products liability
3) Recap