Closed-Claim Sweeper
Turn your historical closed files into immediate non-premium revenue.
The claims are already paid. The third parties are still liable. The only thing running out is the clock.
Worked example · $150M DWP regional carrier
- Closed claims, last 24 months~30,000
- Missed subrogation yield2.2%
- Viable unpursued claims~660
- Average recovery per claim$12,500
- Unrecovered cash in files$8,250,000
Recovered before SOL (60%)
$4,950,000
Directly to policyholder surplus
The sweep workflow
Five steps, no upfront fee.
- 01
Export closed files
12 to 36 months of claims closed without subrogation recovery, via SFTP or a read-only API connection.
- 02
Bulk scan
Ishqkala reads every note and document, up to 50,000 claims in 48 hours.
- 03
Recovery manifest
An itemized Recovery Opportunity Manifest with confidence scores and unexpired SOL dates.
- 04
Pursue
Your subrogation team or preferred recovery counsel works the high-yield claims first.
- 05
Pay on results
Zero upfront cost; a contingency share of net dollars actually recovered.
Run a sweep
Watch the Recovery Opportunity Manifest fill.
Claims scanned
0 / 31,482
Opportunities
0
Recoverable in files
$0
Elapsed (of 48h SLA)
0.0h
Batch: closed without recovery, 10/2023 to 09/2026, auto + property lines
| Claim | Line | Adverse party | Theory | Recoverable | Confidence | SOL / notice |
|---|---|---|---|---|---|---|
| Start the sweep to populate the Recovery Opportunity Manifest. | ||||||
“There was no budget line to approve. We sent the files, read the manifest, and the first recoveries posted before the software would have cost us a dollar. It was surplus we had already written off.”
FAQ
Frequently asked questions
You pay nothing. On the Closed-Claim Recovery Sweep plan there is no software fee and no implementation fee; Ishqkala earns 10% to 15% of net dollars actually recovered from opportunities it identified.
As far back as the shortest relevant limitation period allows. For most property and auto lines that means 24 to 36 months, with files nearest their SOL worked first. Claims already past every deadline are excluded from the manifest automatically.
Only the files your subrogation team decides to pursue. The manifest is reviewed by your unit or counsel first; most carriers reopen a recovery exposure rather than the whole claim.
Claim header data, payments, diary notes and attached documents. A standard export specification is provided for Guidewire, Duck Creek, Origami Risk and flat-file systems, and the transfer runs over encrypted SFTP under a signed BAA.
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.