Key takeaways
- H2O Document AI reads police reports, estimates, statements, photos and correspondence into the claim facts that point to a responsible third party.
- An agent checks each claim against your subrogation guidelines and flags recovery potential, citing the document behind every flag.
- Subrogation evidence judgment lists what supports a recovery, what is missing and which deadlines your team has to watch.
- Your recovery specialists and counsel decide whether to pursue a claim; the agent drafts the file and the demand.
Recovery money sits in files nobody reread
A claim closes when the policyholder is paid. Whether a third party should pay you back depends on details buried in the file: a line in the police report, a remark in a recorded statement, a part number on a repair estimate.
Adjusters are measured on closing claims, not on spotting recoveries, and a busy adjuster can miss the sign that another driver, a contractor, a landlord or a faulty product caused the loss. By the time someone looks again, evidence has gone and deadlines are close, and a recovery team ends up working the obvious cases and never sees the rest.