{"id":900669,"date":"2022-12-08T14:33:02","date_gmt":"2022-12-08T21:33:02","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=900669"},"modified":"2022-12-08T14:33:06","modified_gmt":"2022-12-08T21:33:06","slug":"subrogation-waive-or-do-not-waive","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/subrogation-waive-or-do-not-waive\/","title":{"rendered":"Waive or Do Not Waive Subrogation, But There is No Try"},"content":{"rendered":"\n<p>W. Gustin Vandiford | <a href=\"https:\/\/www.subrogationrecoverylawblog.com\/2022\/11\/30\/waive-or-do-not-waive-subrogation-but-there-is-no-try\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Subrogation &amp; Recovery Law Blog<\/a><\/p>\n\n\n\n<p>A recent federal case provided an excellent example that not all supposed <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/waivers-subrogation-waiver-not-waiver\/\" target=\"_blank\" rel=\"noreferrer noopener\">waivers of subrogation<\/a> are, in fact, waivers. In\u00a0<em>National Surety Corp., et al. v. Bozeman<\/em>, 2022 WL 953053, No. 1:20-cv-01187-WJM-GPG (D. Colo. March 30, 2022), National Surety filed a subrogation action alleging the defendant \u2013 the owner of the unit where the fire originated \u2013 was liable for damages caused by the fire\u2019s spread to the common elements of the condominium building. National Surety insured the condominium association (the \u201cAssociation\u201d). The parties agreed that an Association declaration providing that the Association\u2019s board of directors would obtain insurance for the condominium building and common improvements applied to the Association and the individual unit owners. The declaration additionally stated, \u201c[t]he Board of Directors shall make\u00a0<strong><em>every reasonable effort<\/em><\/strong>\u00a0to obtain policies\u2026containing the following\u2026the insurer waives its right of subrogation as to any claim against each unit owner.\u201d (emphasis added). The board of directors for the Association obtained insurance from National Security that actually affirmed the carrier\u2019s right of subrogation and did not include any waiver against the Association\u2019s unit owners.<\/p>\n\n\n\n<p>The defendant moved for summary judgment, arguing the declaration\u2019s language \u2013 requiring the board of directors to \u201cmake every reasonable effort\u201d to obtain waivers of subrogation against unit owners \u2013 constituted a waiver of subrogation. It relied on a prior case,&nbsp;<em>Universal North Amer. Ins. Co. v. Bridgepointe Condominium Association, Inc.<\/em>, 195 A.3d 543 (N.J. Super. Ct. 2018), in which a court found the carrier\u2019s right of subrogation was effectively waived by the condominium association\u2019s by-laws, which stated its insurance policies \u201cshall contain waivers of subrogation.\u201d<\/p>\n\n\n\n<p>The&nbsp;<em>National Indemnity<\/em>&nbsp;court denied the defendant\u2019s motion. The court distinguished the declaration\u2019s language from the by-laws in the&nbsp;<em>Universal<\/em>&nbsp;case because the former only required to board of directors to make reasonable efforts rather than mandating it to obtain a waiver of subrogation. The court held that the declaration\u2019s language did not constitute a waiver under Colorado law because it did not clearly manifest the intention to relinquish a right.<\/p>\n\n\n\n<p>In summary, agreements to provide for waivers of subrogation must clearly manifest the intention to relinquish the right.\u00a0 Simply agreeing to make reasonable efforts to do so is insufficient.\u00a0 This case highlights the importance of closely analyzing the language of a purported waiver of subrogation to determine if it is an enforceable waiver. Failure to do so may result in failing to pursue an otherwise recoverable subrogation claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\" target=\"_blank\" rel=\"noreferrer noopener\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>W. Gustin Vandiford | Subrogation &amp; Recovery Law Blog A recent federal case provided an excellent example that not all supposed waivers of subrogation are, in fact, waivers. In\u00a0National Surety Corp., et al. v. Bozeman, 2022 WL 953053, No. 1:20-cv-01187-WJM-GPG (D. Colo. March 30, 2022), National Surety filed a subrogation action alleging the defendant \u2013&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/subrogation-waive-or-do-not-waive\/\">Continue reading <span class=\"screen-reader-text\">Waive or Do Not Waive Subrogation, But There is No Try<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14],"tags":[],"class_list":["post-900669","post","type-post","status-publish","format-standard","hentry","category-construction-2","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Waive or Do Not Waive Subrogation, But There is No Try - Advise &amp; 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