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Ishqkala

Platform overview

The automated recovery intelligence platform for P&C claims teams.

One pipeline from raw claim export to an arbitration-ready demand, with every finding traced back to the page it came from.

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Pipeline status · Tenant: Midwest regional carrier

  • 01Ingestion412,906 documents100%
  • 02Narrative extraction31,482 claims100%
  • 03Liability reasoning1,947 adverse parties100%
  • 04SOL tracking38 deadlines inside 90 daysLive
  • 05Demand assembly214 packages ready68%
  • 06Recovery & arbitration$2.31M collected YTDLive

Complete lifecycle architecture

Ingestion to arbitration, in six stages.

Select a stage to see what goes in, what comes out, and which module owns it.

Inputs

  • Guidewire / Duck Creek / Origami API
  • SFTP closed-claim extract
  • Xactimate, CCC ONE, Mitchell estimates
  • ISO ClaimSearch reports

Outputs

  • Normalized claim record
  • Document inventory with OCR status
  • Payment and recovery ledger

Read-only service accounts or encrypted batch drops. Every document is fingerprinted so re-ingesting a claim never double counts a payment.

Integrations

AI parsing capabilities

It reads the documents your adjusters skim.

Handwriting OCR

Field notes, officer narratives and signed statements are transcribed with confidence scores per word. Low-confidence spans are flagged for a human glance instead of silently guessed.

“V2 failed to yield, ran stop sign on Elm”

Transcribed · confidence 0.94 · page 3 of 4

Collision diagram interpretation

Vehicle positions, direction arrows, lane markings and point-of-impact marks on crash report diagrams are read alongside the narrative, so a diagram that contradicts a statement gets noticed.

V1V2

Point of impact in V1 lane · V2 entering from controlled approach

Line-item estimate decoding

Xactimate, CCC ONE and Mitchell line items are mapped to damage areas, so recoverable dollars exclude betterment and items unrelated to the third party's conduct.

PLM SUPPLYSupply line, braided, 3/8"Recoverable
DRY CEILDrywall ceiling, kitchenRecoverable
PNT CEILSeal and paint ceilingRecoverable
CAB UPGCabinet upgrade (owner)Excluded

Clear boundaries

What Ishqkala does not do.

Ishqkala is detection, scoring and workflow software. Licensed claim professionals and recovery counsel make every subrogation decision.

Ishqkala does

  • Reads every document in open and closed claim files
  • Identifies adverse parties and the legal theory against each
  • Scores recoverable dollars, win probability and SOL urgency
  • Assembles demand packages and Arbitration Forums filing packets
  • Routes work to your subrogation unit or your chosen counsel

Ishqkala does not

  • File lawsuits or practice law
  • Act as a collection agency or contact adverse parties
  • Replace your claims adjusters or subrogation specialists
  • Sell, share or resell claim data
  • Train AI models on your claim files

Combined ratio impact

Every recovered dollar comes straight off paid losses.

Subrogation recoveries reduce net incurred losses point for point. No premium has to be written, no underwriting appetite changes, and no acquisition expense is spent.

Regional carrier, $100M DWP, $65M paid losses

  • Missed subrogation (2.5% of losses)$1,625,000
  • Recovered with Ishqkala$1,100,000
  • Combined ratio improvement1.1 points
Combined ratio before and after recovered subrogationLoss ratio falls from 65 to 63.9 while the expense ratio stays at 34.4, so the combined ratio drops by 1.1 points.100 = underwriting breakevenBefore IshqkalaLoss ratio 65Expense ratio 34.4Loss 65Expense 34.499.4After recovered subrogationLoss ratio 63.9Expense ratio 34.4Recovered subrogation: 1.1 pointsLoss 63.9Expense 34.498.3
Loss ratio Expense ratio Points returned by recovered subrogation
Combined ratio components
ScenarioLoss ratioExpense ratioCombined ratio
Before Ishqkala6534.499.4
After recovered subrogation63.934.498.3
Run your own numbers
“We were paying commercial water losses where the failed valve was sitting in a bag in the adjuster's trunk. Ishqkala matched two of them to an open manufacturer recall in the first week.”
Property Claims Manager · Homeowners-focused Southeast regional carrier

The six modules

ModuleUnstructured Data MiningAdjuster notes, police and O&C reportsOpen ModuleLiability Reasoning EngineComparative fault, product defect, indemnityOpen ModuleSOL Tracking Engine50-state limitation and notice clocksOpen ModuleDemand Package BuilderIndexed exhibits and AF filing packetsOpen ModuleClosed-Claim SweeperAudit 12 to 36 months of closed filesOpen ModuleReal-Time FNOL TriggersOpen-claim triage and evidence holdsOpen

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.

Request a free closed-claim audit Start 14-day free trial