"ChatGPT Told Me to Do It": AI-Driven DIY and the New Property Subrogation Blind Spot

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Property owners are increasingly turning to AI tools and online guidance to diagnose issues, perform repairs, and make installation decisions without professional involvement. When losses follow, these claims are often categorized as “owner-caused,” and subrogation pursuit ends prematurely. This session explores how AI-assisted DIY is reshaping property loss narratives and obscuring viable third-party responsibility. Through practical property-loss scenarios, attendees will learn how to identify hidden product, installation, and instruction-based liability and adjust their intake and investigation approach to preserve recovery opportunities in the AI-driven DIY era. This presentation will be fun and interactive, encouraging attendee participation.