Subrogation identification at intake and in closed files, every flag backed by the facts that prove it
Recoverable claims flagged at intake and in closed files, each with its proof.
See one case, screen by screen ↓Software that reads claim files for another party who should pay — a product maker, a contractor, another driver, a neighbor, a utility — and flags the claim for recovery before the statute of limitations runs. Subrogation Identification does it at first notice and again across closed files every week, and every flag shows the sentence that raised it.
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The fact that names who should pay is usually one sentence: “water heater burst”, “the roofer had the tarp off”, “the car behind did not”. Intake types it at first notice while the insured is still on the phone. The adjuster has 140 open claims and closes 30 a week, and nobody asks who made the heater. So the closing note says “wear and tear” or “no subro”, and nobody who thinks about recovery ever reads it.
Once a claim closes, it is almost never read again. The opportunity does not disappear when the file closes; it disappears when the statute of limitations runs — two years for product, auto and contents claims in Ohio, Indiana, Kentucky and Pennsylvania. By then the failed part has gone to a plumber’s scrap pile, the contractor has moved on, and the money the carrier paid stays paid.
Estimated split, in hours, for rereading one closed property claim for subrogation by hand and with the solution.
Six specialist agents read every claim, name the party, split the fault and start the clock; a subrogation supervisor confirms.
A homeowners claim at Bramblewood Mutual closed in March 2025 with “No subro — wear and tear.” Nineteen months later, the weekly reread picks it up. Here is what happens next, screen by screen, in the working solution.
Missed money opens on $1,147,120 still recoverable in 54 closed claims. This week’s batch is losses from October to December 2024 — 1,906 homeowners, auto and small commercial claims across five states, 1,412 of them closed with “no subrogation”. Renata presses Reread now, and each step runs in the side rail: 38,412 notes, 2,960 statements and reports and 21,804 photo captions read.
Every closed claim is read again in full — a quarter of losses each Sunday, and every file the day it closes.
118 claims had a sentence pointing at another party. 94 parties were named; 61 of those files were already recovered, waived or under the minimum, and 26 more were past their date. Seven are new — $139,460. Each drops onto the statute clock as a disc on the day its limitation period runs out, and the total climbs to $1,286,580. Nine files, $197,440, now run out within 90 days.
“26 more were already past their date — $412,800 that no one can recover now.”
HO-24-207519, Carla and Ben Delgado, Westerville, Ohio: a 50-gallon gas water heater split overnight and flooded the finished basement. The first notice Tom Brierly typed says “water heater burst”; Marcus Feld’s note names the installer and says the tank split at the bottom seam. Each sentence is highlighted, with a margin note beside it — and the closing note is marked too.
Closed as wear and tear: “The facts above point to the tank and its installer, not to wear.”
Photo 8 is the rating plate: Corvane ProLine 50, model PL50-40N, serial 1905A-118842, made 05/2019, with a 6-year tank warranty. Photo 9 shows the split along the bottom weld. Photo 11 shows a pressure-reducing valve on the main and no expansion tank on the cold line. Four of the 22 photos are cited by the agents.
A split seam at 5 years 7 months is inside the 6-year tank warranty.
Corvane Water Systems 75% ($36,720), Brightwater Plumbing & Drain 25% ($12,240), the Delgados 0%, under Ohio’s modified comparative rule — barred above 50% (ORC 2315.33). Each party gets the facts that point to it and what it will argue: Corvane will raise the flushing recommendation; Brightwater will say the valve may not have been there in 2019. Renata can drag the split; a change is saved with her reason.
“No fact in the file suggests the Delgados caused the failure.”
Product liability against Corvane runs out on 14 Dec 2026 — 63 days — under ORC 2305.10(A); negligence against Brightwater for damage to the house runs to 14 Dec 2028. The earliest date governs. Seven items to keep are listed with where each one is: the failed tank was taken to Brightwater’s shop and is not confirmed held. A preservation request, a notice of claim to Corvane and a letter to the Delgados are drafted.
Letters drafted — nothing is sent without your signature.
Renata reads the preservation request and signs it. It asks Brightwater to keep the failed heater, its fittings and any photographs exactly as they are, to say by 19 October 2026 where the unit is held, and to pass the letter to their liability insurer. The tank on the evidence list changes to “Hold requested”.
One confirmation sends the file to Hana Kowalczyk, the specialist for Ohio and Kentucky property: $48,960 recoverable, Corvane 75% and Brightwater 25%, deadline 14 Dec 2026. The first action and a note travel with it. The file leaves the missed-money total and joins the quarter’s hand-offs — 39 files, $661,360.
“Tank is at Brightwater’s shop — get the hold confirmed before anything else. Corvane notice this week.”
Where we miss reads back the 99 files found or sent this quarter: 37 closed with “no subro” ticked and no reason, 22 as “sudden and accidental — covered”, 18 as “wear and tear”. It lists the phrases that found them — “rear-ended”, “supply line … burst”, “water heater burst” — and how often each team caught the opportunity at first notice.
Each phrase was in the first notice.
New claims shows every first notice read as it arrives: 214 since 06:00, 23 with another party, 6 to watch, a median of 48 seconds from notice to read. A city crew’s backhoe in Fort Wayne is flagged with its 180-day notice period; a hailstorm and a deer strike are closed to subrogation with the reason; an insured’s own 11-month-old sump pump is put on watch.
Flags go to the adjuster on the claim and to the subrogation team.
The same water heater claim, seen by the five people it passes through — from the call at first notice to the rule table the clock runs on.
Six specialist agents read every claim, name the party, split the fault and start the clock; a subrogation supervisor confirms.
Reads every note, recorded statement, police and fire report, repair and cause-and-origin report and photo caption, and marks each sentence that points to another party — a product, a contractor, another driver, a neighbor or landlord, a utility or a public body.
Names the other party — the manufacturer from the rating plate, the contractor from invoices and permits, the driver and insurer from the police report.
Applies the state’s negligence rule to the facts and suggests a split, with the facts for and against each party.
Computes the limitation period for each state and theory, notice periods for public bodies and the repose period for products.
Lists the evidence to keep and the parties to notify, and drafts the preservation request, the notice of claim and the letter to the insured.
Rereads closed claims in weekly batches and every file the day it closes, and ranks finds by recoverable money and time left.
Confirms and assigns. The agents propose; a named person decides.
The supervisor and the specialists can ask in plain words — or tell it what to draft. Answers point back to the note, photo or letter they rest on.
Why is the Delgado water heater claim recoverable?
The first notice says the water heater burst, and the adjuster wrote that the tank split at the bottom seam — a weld failure, not a fitting. The rating plate shows a Corvane ProLine 50 made in May 2019 with a 6-year tank warranty, so it failed inside the warranty. Photo 11 shows no expansion tank on a closed system, which puts 25% on the installer. Recoverable: $48,960; Ohio’s 2-year product period ends 14 Dec 2026, in 63 days.
What runs out in the next 90 days?
9 files, $197,440. The first, the Village of Ashgrove sewer claim, runs out in 9 days. I have opened the recovery list at those files.
Where do we miss subrogation most?
At closing. Of the 99 files found this quarter, 37 were closed with “no subro” ticked and no reason, and 18 as “wear and tear”. By kind, contractors and installers hold the most money — $458,120 across 14 files. Columbus property catches 87% at first notice; auto catches 98%.
Ask Brightwater Plumbing to hold the old water heater
Drafted for your signature. It asks Brightwater to keep the failed Corvane ProLine 50, serial 1905A-118842, untouched, to tell us by 19 October where it is held, and to pass the letter to their liability insurer. They took it to their shop on 14 Dec 2024.
13 screens from the working solution, on its sample data. Pick one to see it large.
What the agents look for, when a file turns red and the state rules the clock uses are settings, saved as a new rule version each time they change.
| Setting | Default | Choose from |
|---|---|---|
| Minimum recoverable — property | $1,000 | Typed amount · below it, finds are logged but not listed |
| Minimum recoverable — auto | $500 | Typed amount |
| Red band — statute runs out within | 90 days | Typed number of days |
| Amber band | 180 days | Typed number of days |
| Weekly reread | Sun 22:00 | Day and time · one quarter of losses per batch |
| Michigan auto cap | $3,000 | The no-fault limit on vehicle damage |
| Kinds of party to look for | All six on | Product defect · contractor or installer · other driver · neighbor or landlord · utility or city · rental, carrier and fleet vehicles |
| State rules | OH · IN · MI · KY · PA | Negligence rule, product and property periods, notice and repose — confirmed by counsel |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample claim data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (NASP via Genpact — about 15% of recoverable claims missed; Praxis / NASP auto subrogation benchmark — 40% of carriers never review closed files, and 80% review 20% or less). State rules shown are the working solution’s sample rule table; your counsel confirms yours before go-live. People, carriers, companies, addresses and claims named on this page are fictional — characters and sample data in the working solution.
Software that reads claim files for another party who should pay — a product maker, a contractor, another driver, a neighbor, a utility — and flags the claim for recovery before the statute of limitations runs. Subrogation Identification does it at first notice and again across closed files every week, and every flag shows the sentence that raised it.
The closed-file rereader takes one quarter of losses each week, plus every file the day it closes, and runs the full reading on each: the sentence, the party, the liability split and the statute date. Finds already recovered, waived, past their date or under the minimum are dropped, and the rest are ranked by recoverable money and time left.
The liability estimator applies the state’s negligence rule from your rule table — modified or pure comparative, and the bar — and lists the facts for and against each party, each with its citation. The insured’s share is 0% unless a fact in the file says otherwise. The supervisor can change the split, and the change is saved with a reason.
Yes. The statute clock computes the limitation period for each state and theory, notice periods for public bodies and repose periods for products, and shows days left. When theories differ, the earliest date governs, and it never extends a date. Files inside the red band are surfaced on the home screen and the supervisor is told.
No. The agents are read-only on the claim system: they never reopen a claim, change a reserve or a payment, or contact a party. Letters are drafted for a person to sign, and demands, arbitration and collection are worked by your specialists.
Yes. The subrogation supervisor confirms every find before it reaches a specialist, or marks it not recoverable with a reason. No letter leaves without a signature, and state rules change only through a rule version someone approves.
In the working solution, homeowners, personal auto and small commercial claims in Ohio, Indiana, Michigan, Kentucky and Pennsylvania. The kinds of party to look for and the state rule table are settings, confirmed by your counsel.
The Agentic Solution Engine builds and deploys it from your requirements — your claim system, letter templates, state rules and a sample of closed claims — and it goes live once every quality gate has passed. We will walk you through it on your own closed claims first.
Referrals in days, not weeks, after first notice, each with its evidence.
1-min demoDocument Fraud DetectionEvery claim document over a set amount tested for edits before it is paid.
1-min demoFraud Network AnalysisOrganized rings seen across claims, not missed one claim at a time.
1-min demoWe’ll run Subrogation Identification on a quarter of your own closed claims.