Gig 601Xl Builder wrote:

I have no doubt that an adjuster for any insurance company is looking
for an out and that the carrier is going to subro if they can. But they
have to have wording in the policy that gives them the out. Hence ,my
question to you "Was there wording in the policy that gave the insurance
company the right to do that?"


Yes, there was. Any time an insurance company denies a claim they're
always going to reference the policy conditions.