Our Mission

A Commitment to our Clients

We are committed to assisting you, our client, in the identification of subrogation opportunities, and handling all California subrogation claims, including:  

§        subrogation opinions (SubroQuick^SM) 

§        research, including asset/locate and defendant research 

§        litigation

§        training of your staff

§        reviewing closed, pending and new files for subrogation possibilities

§        regular, periodic SubroSessions^SM, for face-to-face discussions

Our Strategy

Ease of Assignment 

Enter new claim information online, or simply mail us your files. An attorney reviews each file immediately, and a proposed course of recovery is specifically designed for each file. The file will be handled out of our office in Sacramento, Encino or Los Angeles. 

Innovation in the Changing Insurance Industry

Traditionally, many adjusters refer subrogation after repairs and payment of a loss.  However, this is not always in the best interest of maximum subrogation recovery.  Many subrogation opportunities are missed because proper evidence was not secured and proper parties were not identified and notified of the loss.  Subrogation requires prompt action. We spot subrogation possibilities at the outset of a loss, through our SubroQuick program.

Our Expertise 

Fire Damage:  Failures of products, negligence of public utilities, general contractors, electricians, human error, (such as improper use of the structure or product), vegetation fires, vehicle fires, and, failures from manufacturer's culpable conduct in design, manufacture, testing and warning all lead themselves to subrogation. 

Mold:  Mold can occur as the result of the original loss, or, as the result of a repair/restoration contractor's repairs.  

Construction Defect:  Poor construction practice types of losses, against architects and building designers, general contractors, developers, the design team of engineers, and the various subcontractors, and public entities. 

Water Damage:  Failures of water and flood control systems (pipes bursting, levees breaking, improper design of flood control) due to improper design, construction, and maintenance, whether by public entities or private contractors. In addition, failures of household products such as faulty valves, flex lines and water filtration systems. 

Freeze Damage:  Note that freeze and water losses are traditionally thought to be "Acts of God".  However, such is not always a defense when a human is legally responsible for the harm, or could have prevented the harm from occurring.  Fire sprinkler failure. NFPA and fire codes are clear in imposing standards and requirements to prevent failures in fire sprinkler systems. Many failed due to bad design, which violated codes, and others were simply installed improperly. 

Workers' Compensation:  Various states have different laws, but generally provide some repayment to the workers' compensation carriers in the event of a recovery or settlement against third parties.   

Automotive Fleet Subrogation Claims:  We collect on all types of auto subrogation claims. 

Medical Payments:  Some policies and some states provide for reimbursement of medical expenses paid under various policies, should there be a recovery against a third party.  

Double Deductible:  In some cases, deductibles are many thousands and tens of thousands of dollars.  If the insured does not pay the deductible, generally on a liability case, the carrier can pursue the insured on a breach of contract action, and many times recover it’s attorney's fees.  

Liability Payments:  Many times a defendant and its carrier negotiate a settlement of a possible liability case, whether or not the suit has been filed. Once the defendant or carrier negotiates a settlement, subrogation possibilities may exist against the co-defendant or a new party. For example, in a medical malpractice or construction case, the loss may have been caused by a defective product or another responsible contractor, and a subrogation claim exists with an avenue for recovery.