A similar result will occur with dishwashers, refrigerator icemakers, and
This procedure will allow the subro unit representatives to settle many of
these smaller amount cases themselves.
Also, on these smaller losses, you have saved the cost of hiring an expert, which is probably not economic in view of the size of the loss.
Be sure the insured knows that you will cover the cost of the service visit
and replacement of the part, which is generally not more than $200.00.
You would pay at least that much to an expert witness to perform exactly
the same function, and generally pay much more in fees. Some carriers
have coded this as a witness fee or an expert witness fee, notwithstanding that the insured has performed the function. The insured ends up with a repaired appliance, you end up with an analysis of the cause of the loss as well as the damaged part, and perhaps are able to settle the case. It is a win-win! (21327)