Every closed claim is now screened for recovery potential automatically. Promising files get a subrogation case opened, a demand letter generated, statute deadlines on a tracked calendar, and follow-ups that fire on schedule until the money actually comes back.
Typical results
0
Missed statute deadlines
9 days
To first demand letter
100%
Claims screened
Figures reflect typical results for this kind of automation.
The challenge
Subrogation lived in spreadsheets and adjusters' memories. Claims with clear recovery potential were closed and forgotten, demand letters went out weeks late, and statute-of-limitations deadlines occasionally passed unnoticed — writing off money the insurer was legally owed. Follow-up depended on whoever remembered, so responsive third parties paid while quiet ones simply waited out the file.
Before and after
Days to first demand letter
−79%Claims screened for recovery
+67%Recovery rate on eligible claims
+23%The automation
We built a Make scenario that screens every closing claim against recovery-potential rules — third-party fault, policy type, amount paid. Qualifying claims get an automated subrogation file: liable-party details pulled from the claim, a demand letter generated from templates and sent, and statute deadlines calculated per jurisdiction onto a tracked calendar. Follow-ups fire on schedule through email and letter, escalating to the recovery team when a deadline approaches or a party goes silent.
How it works
- 01
Claim closes
Every closing claim is screened against recovery-potential rules: third-party fault, policy type, and amount paid.
- 02
File opens
Qualifying claims get an automated subrogation file with liable-party details pulled straight from the claim record.
- 03
Demand goes out
A demand letter is generated from approved templates and sent within days, not weeks.
- 04
Deadlines tracked
Statute-of-limitations dates are calculated per jurisdiction and land on a monitored calendar with escalations.
- 05
Follow-ups fire
Scheduled reminders chase the liable party until payment posts, alerting the recovery team if anything stalls.
Starts from
- Closed claims feed
- Adjuster notes
Delivers
- Demand letters
- Statute deadline tracker
- Scheduled follow-ups
The impact
Recovered dollars typically rise around 23% in a year with no added headcount. First demand letters go out in nine days instead of six weeks, every statute deadline sits on a monitored calendar, and every claim, not just the 60% adjusters used to flag, gets screened for recovery potential.
Questions about this automation
How does the automation decide which claims have recovery potential?
Every closing claim is checked against rules the recovery team sets, such as third-party fault, policy type and amount paid. Claims that qualify get a subrogation file opened automatically, with liable-party details pulled from the claim record. Borderline cases can be routed to an adjuster to confirm.
How are statute-of-limitations deadlines tracked?
The deadline for each file is calculated from the loss date and the rules of the relevant jurisdiction, then placed on a monitored calendar. Escalations fire as the date approaches and alert the recovery team well before it passes, so a recoverable claim is not lost to an expired deadline.
What follow-up happens after the demand letter goes out?
Scheduled reminders go to the liable party or its insurer by email and letter until payment posts. If a party goes silent or a deadline nears, the file escalates to the recovery team with the full history attached. This is a multi-step build, usually rolled out in stages, starting with the screening rules.