{"id":903165,"date":"2024-08-15T14:40:44","date_gmt":"2024-08-15T20:40:44","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903165"},"modified":"2024-08-15T14:40:47","modified_gmt":"2024-08-15T20:40:47","slug":"equitable-subrogation-insights-into-legal-complexities","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/equitable-subrogation-insights-into-legal-complexities\/","title":{"rendered":"Equitable Subrogation: Insights Into Legal Complexities In Recovery"},"content":{"rendered":"\n

Jose A. Aquino | Duane Morris<\/a><\/p>\n\n\n\n

The principle of equitable subrogation<\/a> plays a central role in ensuring that the party responsible for causing loss or damage is held accountable. This doctrine allows an insurer, who has compensated the insured for a loss, to assume the legal rights of the insured to seek recovery from the third party responsible for the loss.<\/p>\n\n\n\n

The recent decision of New York Municipal Insurance Reciprocal v. Stewart\u2019s Shops Corporation<\/em>, 228 A.D.3d 1116, 212 N.Y.S.3d 859 (3d Dep\u2019t 2024), presents a scenario involving property damage, insurance claims, and the intricacies of equitable subrogation. In 2016, Stewart\u2019s Shops Corporation acquired properties with the intention of constructing a new store. The development required the removal of an underground fuel storage tank and contaminated soils, a task undertaken by its contractor. However, the remediation project led to structural damage in a neighboring building owned by the Village of Middleburgh.<\/p>\n\n\n\n

In response to the damage, the Village\u2019s insurance company initiated a subrogation action against both Stewart\u2019s and its contractor. The defendants countered by moving for summary judgment challenging plaintiff\u2019s standing. Defendants noted the absence of payment under the policy prior to the commencement of the action and argued that any future attempt to do so was barred by the statute of limitations.<\/p>\n\n\n\n

The lower court\u2019s decision to deny the defendants\u2019 motion for summary judgment was reversed on appeal. The appellate court held that the insurer for the owner of a building damaged by a contractor\u2019s work on adjacent property lacked standing to bring a claim as the owner\u2019s subrogee. This was because standing accrues only upon payment of the loss, and the insurer filed suit before making any payments. According to established precedent, an insurer\u2019s right to subrogation arises upon payment of the loss, which must be directed toward satisfying an actual claim rather than a potential liability. This right arises independently of any contractual agreement between the insurer and the insured.<\/p>\n\n\n\n

The appellate court\u2019s ruling underscores that the insurer, as an equitable subrogee, is subject to the same defenses that could have been raised against the insured, including the statute of limitations.<\/p>\n\n\n\n

The case serves as a reminder of the legal complexities surrounding equitable subrogation. It highlights the importance of timely payment by insurers to secure their subrogation rights.<\/p>\n\n\n\n

\n\n\n\n

When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes – please call Advise & Consult, Inc. at 888.684.8305, or email experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Jose A. Aquino | Duane Morris The principle of equitable subrogation plays a central role in ensuring that the party responsible for causing loss or damage is held accountable. This doctrine allows an insurer, who has compensated the insured for a loss, to assume the legal rights of the insured to seek recovery from the… Continue reading Equitable Subrogation: Insights Into Legal Complexities In Recovery<\/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":[10721],"tags":[9895,9129,22],"class_list":["post-903165","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-equitable-subrogation","tag-insurance","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nEquitable Subrogation: Insights Into Legal Complexities In Recovery - 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