From Claims to Comebacks: Why Subrogation Matters More Than Ever

Subrogation may happen behind the scenes, but its impact on the insurance industry is anything but small. In this episode of InTrend, we break down the fundamentals of subrogation: what it is, how it works and why it’s becoming a growing priority for carriers navigating rising claim costs and increased catastrophe losses. Joining us is Caitlyn Kennedy Niedelman, Subrogation Team Captain, who shares insights from over 18 years in the industry. Since launching an in-house subrogation team in 2020, she has helped drive a 120% increase in net recoveries while transforming the process into a more customer-focused experience. From real-world claim examples to common challenges like liability disputes, state laws and contractual barriers, we explore what it takes to successfully pursue recoveries. We also discuss how subrogation supports underwriting, impacts premiums and ultimately benefits policyholders — sometimes even beyond their coverage. Whether you’re new to subrogation or looking to sharpen your strategy, this episode highlights why it’s one of the most important, and often overlooked, tools in modern claims management.