Subrogation Waiver

More claims & insurance terms

• Storm Damage

  Damage caused by a weather event such as hail, wind, or a fallen limb, as opposed to age, wear, or bad installation. Carriers test cause and timing, so the claim is strongest when the loss date, the weather record, and the damage agree. An adjuster may still call some marks cosmetic or pre-existing.

• Subrogation

  An insurer's right to recover what it paid from whoever actually caused the loss, such as a careless manufacturer or another driver. It means a closed claim can reopen, so keep your photos and documents after settlement. Recovery usually goes to the paying carrier, and the rules vary by state.

• Supplement Approval

  The carrier's written acceptance of extra work and money a contractor asked for after the first estimate. Carriers often accept some items and reject others, and the accepted items should appear on a revised estimate. Get the approval in writing before starting the added work.

• Supplement Denial

  A carrier's refusal of a supplement request, in whole or in part, usually with a line-by-line reason. Denials often rest on coverage, missing documentation, or a pricing disagreement, so read the stated reason before responding. The right next step depends on the policy and the state.

• Supplement Request

  The written request for work or money the first estimate left out, backed by photos, measurements, and the supporting line items. Supplements are normal on roof claims, and carriers expect them when a scope was written from the ground. Send clear evidence per item instead of a running list of complaints.

• Surety Bond

  A guarantee from a bonding company that pays if a contractor fails to finish the job or fails to pay what they owe. It is not the same as insurance and does not cover the contractor's own mistakes. What it protects, and who can claim on it, depends on the state and the contract.

Common questions