Property Damage Recovery
Recover the costs of not-at-fault fire, water, construction, contractor, etc. claims.
Champion Every Property Damage Claim
No two PD recoveries are the same. The right approach depends on liability, jurisdiction, evidence, and timing. Good subrogation requires experienced professionals who can make judgment calls, build a case, negotiate effectively, and control cost.
Cadex works across the full range of not-at-fault property damage, from routine losses to multi-party and large-loss matters, including claims others choose not to pursue. Some cases resolve quickly. Others take time. We handle both.
- Residential fires
- Water damage
- Smoke damage
- Structural damage or failure
- Roof damage or failure
- Battery/electronics explosion
- Vandalism
- Auto physical damage
- Mold damage
- Commercial fires
- Water intrusion
- Roof damage or failure
- Tenant “improvements”
- Power surge damage
- Business interruption losses
- Construction damage
- Chemical spills or contamination
- Not-at-fault fleet accidents
- Government building fires
- Government building water damage
- Infrastructure damage (sidewalks, roads, sewers)
- Vandalism
- Power or utility failures
- Environmental damage
- Emergency services fleet accidents
Protect Recovery Potential in Emergencies
In major fire, water, or infrastructure losses, early recovery involvement materially affects outcomes. Cadex is available 24/7 to:
- Preserve evidence
- Coordinate investigations
- Identify liable parties
From first notice of loss or injury onward, our team considers evidence across reports, statements, media, samples, and expert findings to protect your recovery rights.
Improve the Policyholder Experience
Subrogation isn’t just about your cash flow; It’s about preserving customer relationships.
Property losses are disruptive, often leaving insureds responsible for a large deductible. Partnering with Cadex increases the chances of recouping both your outlays and the insured’s deductible. Hearing “We recovered your deductible” turns a negative experience into a more positive one for the insured, making subro a powerful brand-differentiation and customer retention tool.
Frequently Asked Questions
Cadex team members typically manage 160–200 cases each. This contrasts with carrier firms and other TPAs, where specialists may handle 600–1000 cases each. The smaller caseloads allow Cadex specialists to explore every angle of every file.
A bad faith allegation occurs when an insurer or recovery professional is accused of mishandling a claim, acting unfairly, or failing to follow proper procedures. While these cases are extremely rare, should this type of situation occur, our clients can rest assured that Cadex operates with strict ethical and documentation standards to protect our clients.
No, Cadex focuses solely on financial recoveries. We don’t get involved in remediation.
When Recoveries Are Sensitive or Stuck
We Get Difficult Done™
