Subrogation Statute of Limitations Calculator
Pick a state, a loss type, and a date of loss. Get the SOL expiry date, days remaining, negligence rule, and an evidence checklist tailored to that loss type.
Pick a state and run the calculation
The tool returns SOL expiry date, days remaining, urgency tier, the state's negligence rule, and an evidence checklist for that loss type.
How insurers actually use this
Subrogation recovery dies when the SOL slips quietly past the closeout date. Adjusters handle dozens of files; specialists pick up the recoverable ones late. ClaimDesk surfaces SOL exposure on every claim at intake and routes high-value targets to the recovery team before evidence is destroyed and witnesses go cold.
- Automatic SOL calculation by jurisdiction and cause of action
- Spoliation letters drafted within 48 hours of FNOL
- Comparative-negligence aware recovery estimates
- Tender packages assembled in minutes, not weeks
Browse all 50 state references
Each state page lists SOLs across all five common causes of action plus negligence rules and citations.
Ready to recover dollars you're leaving on the table?
ClaimDesk identifies subrogation viability the moment a claim is reported, calculates SOL automatically, and routes recovery cases to specialists.