Because navigating a complex property issue can be a daunting task, property insurers require an experienced subrogation legal team. Often property files involve multiple liable parties who disagree and seek to shift blame. Many pitfalls can surprise a subrogating litigant preparing and trying property cases.

Rathbone Group’s Subrogation Property Team harnesses our diverse skillset to guide insurers through the full process of addressing a property file, from investigation and legal analysis to final settlement or litigation.  We probe scientific expert testimony, interview and evaluate witnesses, determine fault, and bring parties together to inspect evidence and resolve claims.


Our wide-ranging property subrogation experience includes residential real property, commercial real property, high-value personal property, commercial combined property, machinery breakdown, maritime property, and builder risk.  We have significant experience in a wide variety of loss contexts, including negligent installation, products liability, warranty issues, bailments, premises liability, arson, vandalism, and others.

Rathbone Group’s subrogation property team handles complex legal issues, including statute of limitations/repose defenses, choice of law or venue, spoliation, the Sutton Rule, and the economic loss doctrine.

Talented Resources

Our Subrogation Property Team has extensive experience working with insurers, self-insureds, and third-party administrators.  We handle property issues in state and federal courts across the country.  Although every insurance file is unique, Rathbone Group’s licensed professionals have a deep working knowledge of the myriad jurisdictional variances and legal issues confronting our clients.  

Creative Solutions

Rathbone Group employs creative approaches to efficiently recover damages on property claims for all balances from large loss to small dollar.  We efficiently develop liability theories and evaluate potential avenues of recovery.  Collaborating efforts between attorneys, legal support, and negotiation specialists allows our clients to make educated and cost effective determinations about pursuing responsible third parties.

Recovery of Lower Balance Files

Law firms focused solely on property damage often reject insurance property files under $100,000.00. Why?  Because they do not understand how to efficiently recoup loses sustained by these types of files.  Rathbone Group’s Subrogation Property Team knows there is recovery potential on even low balance files. Recovery can come at any point in the litigation, sometimes before it begins. We fully evaluate all subrogation property cases our clients bring to bear our extensive experience when weighing the costs of litigation against the potential for recovery. Though litigation expenses may outweigh potential recovery at trial, that doesn’t mean the file should be closed.Rathbone Group’s Subrogation Property Team knows how to work the file to draw out offers that strike a balance between potential costs and actual dollars received. The bottom line is that our team is focused not on the trial, but on your recovery.