Recovery calculator
How much subrogation is sitting in your closed files?
Five inputs. Missed dollars, annual uplift, combined ratio basis points and ROI under both pricing models.
Inputs
Assumptions
- Closed-without-recovery yield: 2.60% (1.8% to 3.4% range, lower for stronger current programs).
- Blended average recovery per missed claim: $15,805.
- Personal & Commercial Auto: $8,400 average missed recovery, auto collision.
- Homeowners: $28,500 water loss, $42,000 fire & product defect.
- Commercial Property: $28,500 average, commercial property & water loss.
- Share recovered before SOL: 60% (60% for a five-person unit).
- Contingency 12.5% (midpoint of 10% to 15%); hybrid SaaS contingency 6.5%.
Missed subrogation in your last 24 months of closed files
$3.70M
234 unpursued claims x $15,805
Combined ratio improvement
1.11 pts
111 basis points per year
Closed-Claim Sweep (one-time)
- Recovered before SOL
- $2,219,059
- Contingency (12.5%)
- $277,382
- Net to surplus
- $1,941,677
- Upfront cost
- $0
Continuous Detection (annual)
- Annual recovery uplift
- $1,109,529
- Platform fee
- $18,000
- Reduced contingency (6.5%)
- $72,119
- Net annual benefit
- $1,019,410
- Return on spend
- 12.3x
Benchmarks behind the model
The numbers the calculator is built on.
- 15% to 30%
- of viable third-party subrogation opportunities are never identified or pursued
- NASP & Verisk / ISO
- 1.8% to 3.4%
- of claims closed without recovery hold enforceable third-party liability
- Ishqkala Benchmark Studies
- $8,400
- average missed recovery, personal auto collision
- $42,000
- average missed recovery, homeowners fire & product defect
FAQ
Frequently asked questions
From published industry benchmarks: 15% to 30% of viable subrogation is missed (NASP and Verisk / ISO), 1.8% to 3.4% of claims closed without recovery hold enforceable liability, and average missed recoveries of $8,400 (auto), $28,500 (commercial property and water) and $42,000 (homeowners fire and product defect).
Carriers with stronger existing programs have already pursued more of the obvious recoveries, so the calculator moves the closed-file yield toward the low end of the 1.8% to 3.4% range.
Annual recovery uplift divided by direct written premium. Recoveries reduce net incurred losses, so $1 million recovered on a $100 million book is one full point.
Yes. Enter your email to receive the Executive Recovery Analysis PDF with line-level detail and a sweep plan. The fastest way to replace estimates with your own numbers is the free 500-file closed-claim audit.
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