SIGNALS / SUBROGATION
Subrogation
Recovery forming
A recoverable loss, named before the suit.
Subrogation starts with an origin-and-cause investigation, and that investigation starts with a records pull. When a fire-report or loss-report request lands, it names the parties and the date of loss in plain language — the earliest public sign that a carrier is deciding whether there is a recovery worth chasing. See it, and you are at the front of the file.
SAMPLE REQUESTS ON THIS SIGNAL
City fire-dept records · a large US city · day 1
SubrogationA commercial warehouse
"Incident and dispatch report for a structure fire, recent date of loss."
REQUESTER · Origin-and-cause investigator — A carrier’s investigator opening a loss file.
City fire-dept records · a large US city · day 4
SubrogationThe same warehouse — prior incidents
"All prior incident reports for the property, past five years."
REQUESTER · Fire-investigation firm — Pulling a prior fire — prior-notice evidence.
City fire-dept records · a large US city · —
SubrogationA commercial-auto loss
"Crash and incident report for a commercial vehicle collision."
REQUESTER · Regional carrier SIU — A carrier working a recovery on a fleet loss.
Watch Subrogation on your book.
Get every request of this type on your watchlist, the day it lands.
FURTHER READING
How subrogation teams surface losses earlier →