Subrogation intelligence for P&C claims
Uncover the subrogation hiding in your claim files.
Reads every adjuster note, police report and estimate. Flags unpursued third-party liability. Packages the demand before the SOL runs.
- SOC 2 Type II
- Guidewire & Duck Creek compatible
- Contingency-aligned pricing
Reading claim file
Closed-claim sweep · batch 7 of 12
03/12 09:40 Spoke w/ insured. States plumber installed new quick-connect supply line to 2nd floor toilet on 03/10. Line separated at the push-fit coupling overnight; water ran approx. 6 hrs into kitchen ceiling below. Mitigation vendor on site. Insured kept failed fitting, installer invoice in file. Paid dwelling + contents $34,000. Closed, no subro referral.
Extracted liability signals
- Installing contractorNegligent installation of supply line, invoice dated 03/10
- Push-fit coupling manufacturerProduct defect theory, CPSC recall cross-match queued
- Failed fitting retainedSend preservation + joint lab exam notice to both parties
Recoverable
$34,000
Insured fault 0%
Win probability
86%
SOL clock
1242 days
IL 5-yr PD · 735 ILCS 5/13-205
Recovery yield score
--
$ x probability x urgency
Contractor negligence + product liability. Modified comparative, 51% bar (735 ILCS 5/2-1116).
Reads from and writes back to the systems your claims team already runs
Guidewire
Duck Creek
Origami Risk
Majesco
Snapsheet
Sapiens
Xactware
CCC Intelligent Solutions
Mitchell
Verisk
LexisNexis Risk
Arbitration Forums
The 15% subrogation leakage
Your adjusters are closing claims fast. They're leaving millions behind.
With adjusters managing 120+ active files under 30-day cycle-time pressure, subrogation identification is the first thing that slips. Third-party tortfeasors don't show up in neat checkboxes; they are buried on page 3 of a handwritten police report or in the fine print of a water heater installation receipt. When claims close, those recovery dollars are forgotten, until the Statute of Limitations runs out.
- 15% to 30%
- of viable third-party subrogation opportunities are never identified or pursued
- NASP & Verisk / ISO
- $15B+
- lost every year by US carriers to missed or abandoned subrogation
- P&C Actuarial Review
- 1.8% to 3.4%
- of claims closed without recovery hold enforceable third-party liability
- Ishqkala Benchmark Studies
How it works
From raw claim export to arbitration-ready demand in four steps.
source: guidewire-claimcenter mode: closed_claim_sweep window: 2023-10-01..2026-09-30 filters: status: closed subrogation_status: none lines: [auto_pd, homeowners, comm_property] include: [fnol, notes, documents, payments, exposures] transport: sftp+pgp # or Cloud API, read-only svc account residency: us-east-1 -> 31,482 claims queued 412,906 documents
Why deep NLP
Rule-based filters miss what deep NLP catches in the narrative.
Standard claims rule
- 1Checks structured fieldLoss Type = Water Damage
- 2Looks for third-party flagAdverse party field empty
- 3No subrogation indicatorRule does not fire
- 4Claim closed$34,000 indemnity paid, no recovery
Recovery lost. File purged after retention period.
Ishqkala engine
“Plumber installed quick-connect supply line on second floor yesterday.”Adjuster diary, day 2
- 1Reads the adjuster noteExtracts installing contractor and push-fit fitting
- 2Cross-references manufacturer recallMatches fitting against CPSC recall notices
- 3Assigns liability100% third-party product liability against the manufacturer
- 4Generates the demand$34,000 subrogation demand, 18 months before the state SOL expires
$34,000 back to surplus.
80%+ of AI-found opportunities come from unstructured narrative text, not structured fields.
Platform
Six engines, one recovery pipeline.
Unstructured Adjuster Narrative Parser
Reads diary entries, supervisor notes and claimant statements the way a subrogation specialist does, including abbreviations like IV, OV, CV and DOL.
“CV's roofer was using a torch on the flat roof over unit 4 around 2pm. Tenant smelled smoke at 3:15.”
- PartyRoofing contractor
- TheoryHot work negligence
- Confidence0.88
50-State Comparative Negligence & SOL Engine
The same $40,000 loss recovers very differently depending on where it happened. Move the fault slider.
Recoverable of $40,000
$32,000
Reduced by 20% comparative fault.
Product Liability & Manufacturer Recall Cross-Matcher
Model and serial numbers pulled from O&C reports and photos are checked against CPSC and NHTSA recall data.
Police & Expert Report Computer Vision Ingestion
OCR and layout models read crash report narratives, collision diagrams, contributing-factor codes and expert findings, including handwriting.
Inter-Company Arbitration Packet Assembler
Compiles proof of payment, the subrogation receipt, the police report, estimates, photos and statutory citations into an indexed demand or an Arbitration Forums filing.
- A. Proof of payment
- B. Subro receipt
- C. Police report
- D. Estimate
- E. Photos (41)
- F. Diary excerpt
- G. Statute cites
- H. Cover demand
Closed-Claim Historical File Audit Sweeper
Sweep 12 to 36 months of closed-without-recovery files before SOL clocks expire.
24,556 scanned · 612 opportunities · $7.4M
“Our adjusters had closed those files correctly on the indemnity side. Nobody had time to read page three of the police report. The first sweep found recoveries we had written off two years earlier, and most of them were still inside the SOL.”
“Our keyword search flagged 'third party' and 'contractor' and buried us in noise. Ishqkala read the narrative, found the tortfeasor in the officer's notes, and told us which state rule applied. My team works the top of the list now.”
- $45M+
- missed recoveries identified in customer closed files
- 1.2 pts
- average combined ratio reduction across partner carriers
- 92%
- adverse liability scoring accuracy, verified by subrogation counsel
- 12,000+
- Statute of Limitations expirations prevented
Recovery calculator
Estimate unrecovered subrogation from your annual DWP
Assumes an auto-heavy line mix, a 4% current recovery rate and a five-person subrogation unit. Tune every input in the full model.
In your last 24 months of closed files
$3.66M
234 unpursued claims
Projected annual recovery uplift
$1.10M
60% captured before SOL
Combined ratio improvement
1.1 pts
110 basis points
Add lines of business, claim volume, recovery rate and staff to see contingency vs SaaS ROI.
Full modelSecurity & core systems
Built for bodily injury records and core claims systems.
- SOC 2 Type IIAnnual audit across security, availability and confidentiality
- HIPAA + BAASigned Business Associate Agreement for bodily injury and med-pay files
- AES-256 / TLS 1.3Encryption at rest and in transit, customer-managed keys on Enterprise
- Zero model trainingYour claim files and adjuster notes never train any AI model
Guidewire ClaimCenter integration path
ClaimCenter
Claims, exposures, notes, documents
Ishqkala tenant
US region, isolated, read-only service account
Back in ClaimCenter
Activity + note on the claim, subro flag
Sync
Event-driven on open claims, nightly batch on closed
Adjuster lift
Zero new screens; work arrives as an Activity
Setup
2 to 4 weeks with your claims IT team
FAQ
Frequently asked questions
You send 500 closed claim files (FNOL, diary notes, documents and payments) through an encrypted SFTP drop under a signed NDA and BAA. Within 5 business days we return a Subrogation Opportunity Manifest listing every claim with an actionable third party: the liable party, the legal theory, recoverable dollars after comparative fault, a confidence score and the SOL expiry date. The audit costs nothing. If you pursue the findings on the Closed-Claim Sweep plan, you pay 10% to 15% of net dollars actually recovered.
Once your export lands, Ishqkala scans up to 50,000 closed claims in 48 hours. A typical regional carrier sweep of 24 to 36 months of closed files finishes, including counsel-reviewed QA on the highest-value findings, in 3 to 5 business days.
Personal and commercial auto physical damage, homeowners (water, fire, product defect, contractor negligence), commercial property, inland marine, and workers' compensation third-party actions. Bodily injury and med-pay files are supported under a signed BAA with HIPAA safeguards.
Every opportunity is scored against the loss state's rule: pure comparative fault, modified comparative with a 50% or 51% bar, pure contributory negligence, or South Dakota's slight versus gross comparison. The engine applies the insured's estimated fault share to recoverable dollars, checks made-whole and anti-subrogation issues, and tracks property damage, bodily injury, product liability and municipal notice deadlines for all 50 states and DC.
No. Ishqkala is software. It does not contact adverse parties or their carriers, file lawsuits, give legal opinions, or act as a collection agency. It prepares scored opportunities, demand packages and Arbitration Forums filing packets; your subrogation unit or your chosen recovery counsel decides what to pursue and sends every demand.
Ishqkala is SOC 2 Type II audited and signs a HIPAA Business Associate Agreement for bodily injury files. Data is encrypted with AES-256 at rest and TLS 1.3 in transit, stored only in US AWS regions with strict tenant isolation, and never used to train AI models. SSO via SAML 2.0, role-based access and immutable audit logs come standard.
Find the millions hiding in your closed claim files before the Statute of Limitations expires.
We'll scan a batch of 500 closed claims for free and deliver an itemized recovery manifest within 5 business days.