Recovery & Analytics

What this group does

Field & Estimate Operations carries a claim through to a payout. Recovery & Analytics handles what happens after: the two capital-recovery paths a payout can trigger, and a single view over the health of the entire InsurOps operation.

The first two screens (Subrogation & Recovery, Salvage & Parts Management) are active recovery operations — they create records and update the claim's reserve. The third (InsurOps Analytics) is read-only: it writes nothing, and only aggregates every other InsurOps store into computed metrics.

1. Subrogation & Recovery

Purpose: Manage recourse claims opened when Settlement & Payouts' "Initiate Subrogation" fires with a third-party fault share > 0% — negotiate with the liable party/insurer, log disputes, and record incoming recovery payments.

Key features

• Summary widgets — Total Subrogation Demand, Recovered Amount Year-to-Date, Pending Legal Recovery, Recovery Success Rate (%).
• Counterparty & insurance negotiation tracker — Subrogation ID, Claim ID, Liable Party/Insurance Co, Fault Ratio (e.g. 80/20), Demand Amount, Negotiation Status (Demand Sent / Under Review / Settlement Offered / Litigation), Assigned Legal Specialist.
• Dispute & Settlement drawer — editable liable party and legal specialist fields; a Financial Ledger (Demand Amount vs. Counterparty Offer vs. Net Collection); fault evidence/police report notes; an append-only Dispute & Counter-Offer log.

Integration triggers

Action	What it does
Log Recovery Payment	Adds the entered amount to recoveredAmount; reduces the linked ClaimRecord.reserveAmount by the same amount (net-loss offset) and updates payoutStep.subrogationStatus to recovering/recovered. Negotiation status auto-returns to Settlement Offered once fully recovered.
Escalate to Legal Arbitration	Sets negotiation status to Litigation / Legal and updates the claim's subrogation status to recovering.

2. Salvage & Parts Management

Purpose: Manage the salvage assets opened when Estimate Approvals & Limits' "Declare Total Loss (Pert)" fires — run the tender/bidding process and move usable recovered parts into a resale-ready inventory.

Two tabs

Tab 1 — Total Loss Asset Registry

• Asset table: Asset ID, Claim ID, Asset Type (Auto / Heavy Machinery / Industrial), Estimated Salvage Value, Current Storage Facility, Auction Status (In Inventory / Tender Open / Sold / Scrapped).
• Auction & Bidding Monitor for the selected asset: Reserve Price, Highest Bid, a live Time Remaining countdown, Bidder Count, and a Bid History modal (all bids, sorted highest-first).
• Transfer to Recycled Stock panel — part name, OEM number, Condition Grade (A/B/C), estimated value.

Tab 2 — Recycled Parts Inventory

• The full list of parts recovered from every salvage asset: Part Name, OEM Number, Condition Grade, Status (Available / Reserved / Used), Estimated Value, Source Asset.

Integration triggers

Action	What it does
Award Salvage Tender	Confirms the highest bid; sets the asset's Auction Status to Sold, records the sale amount and date; reduces the linked ClaimRecord.reserveAmount by the sale amount (total-loss cost offset).
Transfer to Recycled Stock	Creates a RecycledPartRecord — the part becomes searchable for future repairs sourced through the Repair & Service Network.

3. InsurOps Analytics

Purpose: A single-screen summary of the whole InsurOps operation's performance. This screen is entirely read-only — it creates or updates nothing; it only reads the other 8 InsurOps data sources (FNOL, Claims Hub, Fraud & Risk, Dispatch, Estimate Approvals, Settlement & Payouts, Subrogation, Salvage, Adjusters/Service Network) and computes metrics live.

Key features

• Executive KPI scorecard (4 widgets):
  • Claim Cycle Time (FNOL to Payout) — average days between the FNOL record's creation and the payout's execution date.
  • Net Loss Ratio (%) — paid claims ÷ a user-entered Net Earned Premiums figure. Note: no premium/actuarial data is tracked anywhere in the system — the field is exposed as an editable assumption on screen rather than embedded as a fabricated number.
  • Fraud Mitigation Index — total exposure amount on confirmed_fraud or auto-frozen alerts (prevented financial loss).
  • Subrogation & Salvage Yield (%) — amount recovered via Subrogation plus amount sold via Salvage, divided by gross claim payouts.
• Lifecycle Bottleneck Heatmap — average time spent in each of five stages (FNOL Triage → Field Inspection → Estimate Approval → Payout → Recovery), rendered as a colour-coded (green/amber/red) bar chart.
• Adjuster & Service Network SLA Performance Table — SLA Compliance Rate (%), Estimate vs. Actual Variance (%), and Re-inspection Trigger Rate, all computed from real data (field task completion rate, preliminary valuation vs. final estimate delta, and fraud alerts genuinely traced back to Dispatch's "Flag Investigation" action). The CSAT column is deliberately shown as "n/a" — no survey/feedback data source exists anywhere in InsurOps to compute it from, and a footnote below the table explains this.
• Filters — Line of Business (Auto/Property/Casualty), Time Horizon (MoM/YoY), Region (derived from real FNOL reportedLocation values).
• Export — Download Executive PDF (browser print) and Export Raw CSV (a real client-side download of the computed KPIs).

End-to-end data flow

Source screen	Action	Target screen / record
Settlement & Payouts	Initiate Subrogation	SubrogationRecord created → Subrogation & Recovery queue
Estimate Approvals & Limits	Declare Total Loss	SalvageAssetRecord created → Salvage & Parts Management registry
Subrogation & Recovery	Log Recovery Payment	ClaimRecord.reserveAmount reduced, payoutStep.subrogationStatus updated
Salvage & Parts Management	Award Salvage Tender	ClaimRecord.reserveAmount reduced (total-loss cost offset)
Salvage & Parts Management	Transfer to Recycled Stock	RecycledPartRecord created — searchable via the Repair & Service Network
(all screens)	—	InsurOps Analytics reads every record above and turns it into KPI / bottleneck / SLA metrics

Pages in this section

• Overview
• Operational Setup & Master Data
• Domain Roles & Capabilities
• Screen Workflows
• Claims & Intake Workflow
• Field & Estimate Operations