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Subrogation, written by people who have worked the files.
Case law, claims operations, product defect investigations and the economics of recovery.
Economics & Finance
Contingency vs SaaS: Pricing Subrogation Technology Against Recovery Yield
Saksham Sharma · 2026-09-29 · 5 min read
How to compare contingency, platform fee and license pricing for subrogation technology against net recovery yield, with break-even math and contract terms.
Read the article- Claims OperationsEarly Evidence Preservation: The First 72 Hours After FNOLFailed parts get tossed, video is recorded over and cars go to salvage. A 72-hour plan after FNOL that keeps subrogation alive and out of spoliation fights.Arjun Bhatia, CPCU · 5 min
- Economics & FinanceWhy Closed Claim Sweeps Deliver Immediate Non-Premium RevenueClosed files hold paid, documented losses with third-party liability nobody chased. How a sweep turns them into cash, and why the SOL clock sets the pace.Saksham Sharma · 5 min
- Claims OperationsHow to Extract Actionable Tortfeasor Data from Unstructured Adjuster NotesWhat adjuster notes really look like, how NLP turns claim shorthand into party, role, liability signal and evidence pointer, and where extraction goes wrong.Siddharth Menon · 5 min
- Economics & FinanceThe Direct Impact of Subrogation on Carrier Combined RatiosHow subrogation recoveries cut net incurred losses and move the combined ratio, with worked math for $100M and $150M DWP carriers and the costs that offset it.Saksham Sharma · 5 min
- Claims OperationsWhy High Adjuster Caseloads Create Subrogation Blind SpotsAt 100 to 150 open claims per adjuster, subrogation becomes the task that waits. Where recovery signals get lost and how to fix the process, not the people.Saksham Sharma · 5 min
- Property & Product DefectHVAC and Appliance Failures: Building a Product Defect Recovery FileA step by step method for HVAC and appliance losses: identify the product, check CPSC recalls, preserve and notice, run joint lab exams, and pick the theory.Kavya Narayanan, Esq. · 5 min
- Legal & Case LawMunicipal Notice Deadlines: The 90-Day Trap in Government Tort ClaimsNew York and New Jersey give you 90 days to notify a public entity, and some Texas cities allow no more. How notice-of-claim rules end subrogation files early.Kavya Narayanan, Esq. · 5 min
- Property & Product DefectFire Origin Reports: Uncovering Subcontractor Liability in Construction LossesReading NFPA 921 origin and cause reports for hot work by roofers and plumbers, finding the subcontractor, and clearing waiver and spoliation traps first.Kavya Narayanan, Esq. · 5 min
- Legal & Case LawHow the Made-Whole Doctrine Affects Carrier Subrogation RightsWhen the insured is underinsured, the made-whole doctrine can put the carrier last in line. How state rules differ and how to model your share before a demand.Kavya Narayanan, Esq. · 5 min
- Property & Product DefectSpotting Water Loss Product Liability: The Anatomy of a Failed Supply LineHow braided supply lines, plastic coupling nuts, ice maker lines and fill valves fail, and how to preserve the part so a water loss becomes a recovery file.Arjun Bhatia, CPCU · 6 min
- Legal & Case LawNavigating Modified Comparative Negligence: Recovering in 51% Bar StatesHow 51% and 50% bar rules decide whether a subrogating carrier recovers anything at a 50/50 split, which states use each rule, and where to spend evidence.Kavya Narayanan, Esq. · 5 min
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Subrogation case law updates, arbitration rulings, and recovery workflows, monthly.