1. MAXIMIZING SUBROGATION INVESTIGATIONS WITH SIU AND OTHER IN-HOUSE RESOURCES
Robert Swann – Citizens Property Insurance Corporation
Andrew Scanlon – FM Global
Matthew Peaire – Butler Pappas Weihmuller Katz Craig, LLP

2. TYPES OF INTERNAL RESOURCES
Team Work
I. Special Investigations Unit
II. Desk Adjusters
III. Field Adjusters
IV. In-house counsel

3. SPECIAL INVESTIGATIONS UNIT
Origin – investigating fraud
Insurer advertisement identifies a SIU investigator as one who:
Formats an investigative plan
Uses technology to locate information
Interviews and does field investigation

4. SPECIAL INVESTIGATIONS UNIT
Typical training that proves beneficial to investigating a subro claim
Fire investigation training
Interviewing witness training
Importance of early statements
Document collection
Building Department search
Internet research

5. SPECIAL INVESTIGATIONS UNIT
Internet research
News Articles – (witnesses)
Google
Manufacturer information for notices
Recalls (
User submitted media
Facebook
Twitter
You Tube

6. SPECIAL INVESTIGATIONS UNIT
Internet research
News Articles – (witnesses)
Google
Manufacturer information for notices
Recalls (
User submitted media
Facebook
Twitter
You Tube

7. SPECIAL INVESTIGATIONS UNIT
Additional handy websites
(code information)
(contractor license info)
( Fire Marshal reports)
(historical weather info)
(corporate filings)

8. SPECIAL INVESTIGATIONS UNIT
Determine what type of experts (and who) to hire.
Origin and cause, electrical engineer, mechanical engineer, structural engineer, etc.
Notice Process
Locating parties and placing them on notice
Locate , fax and address for certified mail
Assist with coordinating the site investigation and release of scene for repairs
Make sure notices comply with lease and any state statutes (Florida, Texas)
If you are having difficulty getting a response, most secretary of state offices have a corporate data base that list the officers, directors, and the registered agents for service.

9. ADJUSTERS Field adjusters
Work with SIU to coordinate the investigation
Photograph the loss site
Obtain documentation from the insured or its representative.
Expert retention
Prepare RCV and ACV estimates
In some circumstances, it is best to have outside counsel retain certain experts so that information remains privileged.

10. ADJUSTERS Place parties on notice Prepare demand packages
File arbitrations
NASP Presentation

11. IN-HOUSE SUBRO FILE HANDLER
Work with adjuster and SIU to coordinate the investigation and document gathering
Help identify who to put on notice
Understand Statutes of Limitations
Knows common Defendants
Data mining

12. IN-HOUSE COUNSEL
Notice Letters – in-house counsel can assist with identifying the proper entities to involve
Requests for Information – in-house counsel can assist with identifying the pertinent documents, leases, condo by-laws, contracts, purchase orders insurance policies, etc.
Public Records requests
Pure Bill of Discovery

13. TRAINING TOOLS TO HELP MAXIMIZE SUBRO INVESTIGATION FOR YOUR TEAM
Keep a database of common Defendants
Use Benchmarks
Have SIU assist with training adjusters on how to investigate and obtain information

21. MAXIMIZING SUBROGATION INVESTIGATIONS WITH SIU AND OTHER IN-HOUSE RESOURCES