PartnershipÂ
For more than two decades, Charles Taylor has delivered comprehensive claims services to one of Kentucky’s largest public-sector programs, supporting over 600 county entities including emergency services, law enforcement, and public health. This long-standing partnership spans multiple lines of business and is built on a foundation of strategic claims handling, collaboration, and results-driven execution.
The Property ClaimÂ
A county initiated a roof replacement project at a large early childhood education center. The contracted roofing company failed to implement adequate protections during installation. When heavy rain swept through the area, insufficient temporary coverings led to extensive interior water damage across classrooms and office spaces.
Despite clear indications of negligence, the contractor denied responsibility for the loss, and its insurer refused to provide coverage. As a result, the client was left facing an uncovered property claim of approximately $450,000.
The Results 
Charles Taylor managed the property claim and launched a focused subrogation investigation into the contractor’s on-site protocols and mitigation efforts. The review revealed that proper precautions had not been taken to secure the worksite, providing a clear basis for liability.
Charles Taylor applied a targeted subrogation strategy, combining liability analysis with detailed documentation to negotiate directly with the contractor’s insurer. Through persistent follow-up and expert positioning, the team secured a $385,000 recovery, covering 85% of the client’s original payout.
Summary
Instead of absorbing the cost of a preventable loss, the client recovered the majority of damages, preserving public funds and holding the responsible party accountable. This resolution demonstrates the value of working with a claims solutions provider that proactively pursues recovery opportunities and navigates complex property claims with precision and efficiency to deliver measurable financial results.
Charles Taylor remains committed to helping clients minimize loss, reduce exposure, and strengthen long-term outcomes across every line of business.
