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  • About
  • Our Team
    • Attorneys
    • Paralegals & Claims Specialists
    • Administration
    • Support Staff
  • Practice Areas
    • Nationwide Insurance Subrogation
    • Defense Litigation
    • Insurance Coverage
    • Mediation Services
  • Resources
    • Podcasts
    • Newsletters
    • Laws By State
    • Published Articles
    • MWL Published Books
      • Automobile Insurance Subrogation In All 50 States
      • Fundamentals of Insurance Coverage In All 50 States
      • Workers’ Compensation Subrogation In All 50 States
      • ERISA and Health Insurance Subrogation in All 50 States
      • “Where’s The Beef?” Subrogating Livestock/Vehicle Collisions In All 50 States
    • Reference Charts
    • Resource Links
    • Benefits Of Subrogation
  • Webinars
  • Blog
  • Contact
    • Refer A File
      • Printable Referral Forms
    • Ask A Subrogation Question
    • Subscribe to Newsletter
    • FAQs

Property Subrogation

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Replacement Cost Value (RCV), Actual Cash Value (ACV), Holdbacks, and the Depreciation of Labor

By Emma PlahmerMarch 22, 2023

There are two primary valuation methods for establishing the value of insured property for purposes of determining the amount a property insurer will pay in the event of loss under a homeowner’s or commercial property policy.

General Contractor Overhead and Profit Payments in First-Party ACV Property Damage Claims

By JamieSeptember 20, 2019

This chart represents an overview of how each state handles general contractor overhead and profit payments in first-party ACV property damage claims, providing some guidance to claims professionals simply looking to pay what they owe, and no more. It provides the available state law and precedent regarding the inclusion, quantification, and potential depreciation of general…

“Matching Regulations” And Laws Affecting Homeowners’ Property Claims In All 50 States

By JamieFebruary 7, 2019

This chart is a summary of regulations or laws in all 50 states regarding the matching issue in the payment of first-party insurance claims. The chart focuses on homeowners’ property claims and only tangentially discusses commercial property policies/claims, although if law regarding a commercial policy is all that is available, it is included.

Damage To Property Without Market Value In All 50 States

By og@siteadminFebruary 19, 2018

This damage to property without market value chart depicts the law in all 50 states with regard to the award of damages to personal property without a typical market value.

Condominium/Co-Op Waivers of Subrogation Laws In All 50 States

By og@siteadminFebruary 19, 2018

With regard to condominium/co-op waivers, effective subrogation of these claims requires an understanding of the biggest obstacle to successful recovery efforts – a waiver of subrogation provision. This chart contains a general overview of state law regarding waivers of subrogation in condo and/or co-op by-laws, leases, and insurance policies.

Landlord/Tenant Subrogation In All 50 States

By og@siteadminFebruary 19, 2018

This 50-state chart summarizes landlord tenant subrogation laws. Understanding when, where, and why subrogation actions by a landlord’s insurer against a tenant are permitted or prohibited is critical to maximizing property subrogation recoveries.

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