Subrogation recovery · Regional P&C carriers

Your closed files are still worth money.

RecoverEdge audits closed claim files for regional and mutual P&C carriers, identifies missed subrogation, and pursues recovery end to end. We are paid only from dollars we collect.

Contingency-only. No software to install. NDA before any file leaves your building.

Closed-file audit FY closed · property & auto
CLM-24-08113Water damage — failed supply line$18,400Closed
CLM-24-07561Vehicle into structure$9,750Closed
CLM-24-06918Electrical fire — appliance$41,200Closed
CLM-24-06340Rear-end collision, MPP$6,280Closed
CLM-24-05772Wind — roof$22,900Closed
Identified for recovery $0

Illustrative example. Every carrier's book is different — the audit shows you yours.

How the engagement works

You pay nothing unless we recover money you would otherwise never see.

STEP 1

Send closed files

A simple export of closed claims — no system integration, no IT project. Covered by NDA and our data-handling agreement before anything is transmitted.

STEP 2

We identify and pursue

Every file is reviewed for missed subrogation and recovery potential. We handle demand, negotiation, and inter-company arbitration filings ourselves.

STEP 3

You keep the majority of every dollar

Recoveries are remitted to you, and our contingency fee comes out of collected dollars only. No recovery, no invoice. Ever.

Why recoverable dollars get left behind

Subrogation loses to the workload. It doesn't lose on the merits.

Adjusters are paid to close files

Cycle-time and caseload pressure mean recovery review competes with the next open claim — and the next open claim always wins.

Liability surfaces late

Product failures, negligent third parties, and contractor liability often become visible only after the file is paid and closed — when nobody is looking anymore.

Small balances aren't pursued

A $6,000 recovery rarely justifies internal effort on its own. Across a year of closed files, those balances add up to real money — which is exactly what we pursue.

Who you're working with

Built by carrier-side claims people, run with modern tooling.

RecoverEdge was founded on the carrier side of the desk. We know what a claims department's month actually looks like, why subrogation review slips, and what a VP of Claims needs to see before any vendor touches a file.

Our review process combines experienced human judgment with purpose-built automation, so every closed file gets the recovery look it never had time for — at a cost structure that makes small-balance recovery worth pursuing.

We work with regional and mutual carriers across Ohio, Wisconsin, Pennsylvania, Indiana, and Iowa.

Before a single file moves

  • Mutual NDA executed first
  • Written data-handling & security agreement
  • Errors & omissions coverage in place
  • Files reviewed in a controlled environment
  • Read-only exports — we never touch your claims system
  • Full audit trail on every file we review
The closed-file pilot

Send us 12 months of closed files. We'll show you what they're worth.

The pilot is a full recovery audit of your recent closed property and auto files. There is no fee to run it, no integration, and no obligation — if we find nothing, you've lost nothing and learned your book is clean.

Cost to run
$0 — contingency only
Your lift
One closed-claims export
Typical turnaround
Findings in 2–3 weeks