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Ishqkala

Lines of business · Commercial Property Subrogation

Recover commercial property losses caused by contractors, tenants and products

Ishqkala reads engineering reports, fire narratives, leases and contracts to find third-party liability in water, HVAC, hot work, tenant and equipment losses before the SOL runs.

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Average missed recovery

$28,500

Data sources read

  • Fire origin and cause reports prepared under NFPA 921
  • Engineering and metallurgical reports
  • Xactimate estimates and mitigation logs
  • Adjuster diary notes and loss photos
  • Commercial leases, construction contracts and certificates of insurance
  • CPSC recall data
  • ISO ClaimSearch match reports

Overview

Commercial property losses produce the largest single-file recoveries most regional carriers see, and the liability is almost never in a structured field. It sits in an engineering report that names a failed coupling, a diary note that mentions roofers on site, or a lease clause nobody pulled. The average missed recovery on commercial property and water losses is $28,500.

Ishqkala reads cause and origin reports, engineering assessments, Xactimate estimates, contracts and leases alongside the claim notes. It identifies the contractor, tenant or manufacturer, checks for waivers of subrogation and indemnity clauses, and tracks tort, written contract and product repose deadlines on the same file. Licensed claim professionals and recovery counsel make every pursuit decision.

Recovery calculatorEstimate unrecovered subrogation dollars and combined ratio improvement based on your annual DWP.Run the numbers

Recovery patterns

What the engine looks for, and the note that gives it away.

  • Commercial water line bursts

    Domestic water, sprinkler and process lines fail at fittings installed or modified by contractors. Ishqkala flags recent work, failed components and freeze events, and prompts part retention before mitigation discards it.

    sprinkler main coupling failed, sprinkler contractor relocated heads in June

  • HVAC installation defects

    Missing condensate overflow protection required by International Mechanical Code § 307.2.3, rooftop curb leaks and controls errors trace back to installers and service contractors.

    AHU above ceiling overflowed, no float switch, unit installed last year

  • Subcontractor roofing torches

    Torch-applied roofing fires smolder after crews leave. Ishqkala identifies the hot work, the contracting chain and any AIA A201 waiver of subrogation, which applies only to the extent of covered property insurance.

    roofers torching at parapet til 3pm, alarm at 5:40pm

  • Commercial tenant lease indemnification

    Tenant cooking fires, build-out damage and frozen vacant suites shift to the tenant and its CGL carrier through lease indemnity and insurance clauses, unless a mutual waiver applies.

    fire started in tenant kitchen hood, lease requires tenant to name LL as AI

  • Appliance and equipment manufacturing defects

    Commercial fryers, ice machines, water heaters and battery systems fail in ordinary use. Strict product liability and implied warranty claims reach manufacturers and sellers for damage to other property.

    FD origin at walk-in cooler compressor, unit 2 yrs old

Workflow

From the file to the recovery.

  1. 01

    Ingest & Mine

    Pull notes, reports, estimates and attached contracts from your claims system, and extract components, trades and contract clauses from every PDF.

  2. 02

    Detect & Score

    Name the contractor, tenant or manufacturer and score recoverable dollars, win probability and days to the earliest deadline.

  3. 03

    Audit & Prioritize

    Surface waiver and indemnity clauses with page references, and rank files where evidence still needs preserving.

  4. 04

    Package & Recover

    Assemble the demand with engineering findings, contract excerpts and the estimate, and route it to your team or recovery counsel.

Related claim line playbooks

FAQ

Commercial Property Subrogation subrogation FAQ

It extracts waiver, indemnity and insurance clauses from leases and contracts and flags their scope, including whether a waiver is limited to covered property insurance. Counsel decides enforceability.

The tort SOL, the written contract SOL for indemnity and lease claims, and product liability statutes of repose, for the state where the loss occurred.

Yes. It reads PDF engineering, metallurgical and fire reports, extracts named components, failure modes and responsible trades, and links each finding to its source page.

On the Closed-Claim Recovery Sweep, 10% to 15% of net dollars recovered, with no upfront fee. If no actionable subrogation is found, you pay nothing.

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.

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