An insurer that says it paid more than $167,000 on a water-damage claim is going after the maker of the washing machine it blames for the loss.
VYRD Insurance Company sued LG Electronics U.S.A., Inc. in Florida state court, seeking to recover what it says it paid after a home washing machine allegedly failed during normal use. LG has since moved the case to the US District Court for the Middle District of Florida.
According to the complaint, the insured bought the LG machine in April 2022. The filing alleges that on July 12, 2024, the machine was running normally when it leaked, causing what the complaint describes as "significant damage to the Premises." The complaint says a later investigation traced the leak to a defect in the machine.
VYRD says it paid $167,493.36 under its homeowners policy to repair, replace or restore the home to its pre-loss condition. It is now pursuing the claim through subrogation - the process that lets an insurer that has paid a loss seek recovery from the party it says caused the damage. The complaint states that VYRD is "subrogated to the rights of INSURED by the Policy and operation of law" and seeks the full $167,493.36, plus pre-judgment interest and court costs.
The suit rests on a single count of strict products liability. The complaint alleges that LG designed, manufactured, imported, assembled and distributed the machine and placed it into the stream of commerce with defects that left it "unsafe for its intended use." Among the defects it lists, the complaint alleges the machine "presented an unreasonably dangerous risk of leaking" and that its "factory installed water lines were not adequately installed, allowing them to separate from their connections."
The complaint also alleges the machine "failed to perform as safely as an ordinary consumer" would expect, and that the alleged defects existed at the time LG parted with possession of the product.
For claims and subrogation professionals, the case follows a familiar path: pay the first-party property loss, then pursue the manufacturer. The complaint says the damage it paid for is "other property" in relation to the product-liability economic loss doctrine and does not include damage to the washing machine itself.
In August 2026, LG moved the case from the Circuit Court of the Sixth Judicial Circuit in Pasco County to federal court, citing diversity of citizenship. In its notice, LG describes VYRD as a Florida corporation and itself as a New Jersey corporation, and says the amount in dispute clears the federal threshold. Moving a case to federal court is a procedural step and does not address the merits of the allegations.
The allegations have not been tested in court, and no court has ruled on the claims.
