Mutual insurers & farm bureaus
A subrogation desk for claims teams that do not have one.
High property and rural auto volume, lean staff, adjusters in the field. Ishqkala reads the files they cannot get back to.
Rural loss patterns
Six recoveries that hide in farm and rural files.
| Loss | Likely adverse party | Note that triggers it |
|---|---|---|
| Barn or shop fire after electrical work | Electrical contractor | "electrician added outlets for the welder in March" |
| Grain dryer or bin fire | Equipment manufacturer or installer | "fire started at the dryer burner housing, unit 3 seasons old" |
| Equipment fire in the field | Manufacturer or dealer service shop | "combine just back from dealer for hydraulic line repair" |
| Livestock trailer or farm vehicle collision | Adverse driver, commercial hauler | "semi crossed center line on County Rd 12" |
| Utility line or pole fire | Electric cooperative or utility | "line came down in the wind, sparked grass fire into fence row" |
| Propane or fuel delivery incident | Fuel supplier | "driver left valve open after filling the tank" |
Workflow for lean teams
From field note to recovery without a specialist in the loop until it counts.
- 01
Field adjuster closes
Indemnity is handled as usual; nothing changes in the field.
- 02
Ishqkala reads
Notes, photos, fire reports and estimates are scored overnight.
- 03
One reviewer decides
A claims manager reviews a short scored list weekly instead of every file.
- 04
Package and route
Demands go out from your team; large files go to your counsel.
- $42,000
- average missed recovery, homeowners fire & product defect
- $28,500
- average missed recovery, commercial property & water loss
- 100 to 150
- active claims per P&C adjuster
- Carrier Claims Workload Study
FAQ
Frequently asked questions
Yes. Many mutuals assign subrogation to field adjusters or one recovery specialist. Ishqkala does the reading and the packaging, and routes larger or contested files to the recovery counsel you choose.
Utility and cooperative claims often involve tariff limitations, notice requirements or public-entity rules. The engine flags those claims and attaches the applicable deadline for your counsel's review.
The Closed-Claim Recovery Sweep has no upfront fee, and continuous detection platform fees start at $1,500 per month for lower claim volumes.
Yes. Model and serial numbers for tractors, combines, grain dryers and other equipment are extracted from reports and photos and cross-matched against recall notices, and dealer service history in the file is flagged.
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.