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Ishqkala

Lines of business · Homeowners Fire and Water Subrogation

Turn homeowners fire and water losses into documented product and contractor recoveries

Ishqkala flags supply line, appliance and contractor language at FNOL, so the failed part and the fire scene are preserved before cleanup erases the recovery.

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Average missed recovery

$42,000

Data sources read

  • FNOL intake and early diary notes
  • Fire department incident and origin and cause reports
  • Plumber and mitigation reports, moisture maps and photos
  • Xactimate estimates
  • Model, serial and date codes captured in notes and photos
  • CPSC recall notices
  • ISO ClaimSearch match reports

Overview

Homeowners fire and product defect claims carry an average missed recovery of $42,000 per claim, ahead of commercial property and water losses ($28,500) and personal auto collision ($8,400). Water losses are the more frequent of the two. Both are won or lost in the first days, when mitigation crews discard failed supply lines and debris haulers clear fire scenes.

Ishqkala Real-Time FNOL Triggers read first notice and early diary notes for origin language, product names, recent installations and contractor visits, and alert the adjuster to hold the evidence. The Closed-Claim Sweeper applies the same reasoning to closed files where the part was retained or the scene documented, and matches models against CPSC recall data.

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.

  • Supply line failures

    Toilet coupling nuts, braided hoses, ice maker lines and washer hoses fail through defect or poor installation. Ishqkala flags the component and the installer and prompts part retention.

    toilet supply line burst, plumber replaced it 3 wks ago

  • Appliance fires

    Dishwashers, dryers, refrigerators and lithium-ion batteries start fires in ordinary use. Strict liability reaches the manufacturer and often the seller, and NFPA 921 origin work plus a joint scene exam protects the claim.

    FD says origin at dishwasher, insd ran it before bed

  • Contractor negligence

    Roofers, electricians and plumbers working in the home cause fire and water losses through torch work, sweated pipe, nail-punctured lines and loose connections.

    electrician added kitchen circuit last week, fire started in wall

  • Product recalls

    A model under CPSC recall for the same hazard is a strong lead. Ishqkala matches model and serial data in notes and photos against recall notices and flags matches.

    insd found recall notice online for same dehumidifier

  • Adjacent unit and neighbor losses

    Water from a condominium unit above may be recoverable from that owner, its contractor or the association, depending on the declaration and who maintained the line.

    water came through ceiling from unit 4B

Workflow

From the file to the recovery.

  1. 01

    Ingest & Mine

    Read FNOL, notes, fire reports and mitigation records as they arrive on open claims, and in bulk on closed claims.

  2. 02

    Detect & Score

    Identify the product, installer or neighbor and score the file, including evidence status and recall matches.

  3. 03

    Audit & Prioritize

    Track the SOL, product statutes of repose and the state made-whole posture on every file.

  4. 04

    Package & Recover

    Draft notice letters and demand packages with lab findings and photos for your team to send.

Related claim line playbooks

FAQ

Homeowners Fire and Water Subrogation subrogation FAQ

Real-Time FNOL Triggers score new claims as notes arrive, so origin, product or installer language raises an alert to the adjuster while the evidence still exists.

The product claim is weakened, but photos, invoices and the installer's work order may still support a workmanship claim. Ishqkala scores the file on the evidence that exists.

Ishqkala flags the deductible and other uninsured losses and applies the state made-whole posture, so the demand and allocation follow state law. Counsel confirms the allocation.

No. It drafts notice letters and demand packages. Your adjusters or recovery counsel send them and handle every contact.

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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