Insurance subrogation
Edison settled an Eaton Fire insurer's claim at 52 cents on the dollar, with 1,500 suits open
One insurer recovered 52% of what it paid policyholders after the Eaton Fire. Subrogation is a goal carriers pursue claim by claim, for years, or give up on.
Southern California Edison
per dollar of claims paid, in the settlement with one insurer
Edison International 8-K, Sept. 15, 2025unsettled Eaton Fire lawsuits as of February 11, 2026
Edison International 10-K for 2025SCE's remaining Eaton Fire accrual at the end of 2025
Edison International 10-K for 2025What happened
The story, from the record.
On September 15, 2025, Edison International disclosed that Southern California Edison had agreed to pay a subrogation claimant 52 cents for every dollar the insurer had paid its policyholders for the Eaton Fire, up to an undisclosed cap. The claimant had paid about $500 million as of July 31, 2025. SCE admitted no liability.
The company's 10-K for 2025 shows how much remained. As of February 11, 2026, SCE faced about 1,500 unsettled Eaton Fire lawsuits with around 20,000 individual plaintiffs, plus subrogation and public-entity plaintiffs including the United States, Los Angeles County, Pasadena and Sierra Madre. SCE said its equipment was likely associated with the ignition and that it could not estimate a range of loss.
SCE accrued $1,134 million for the Eaton Fire in 2025, paid $237 million, and carried a balance of $897 million at year end.
Every carrier that paid an Eaton Fire claim has a recovery to pursue. Each one means a demand, documents, follow-up and, often, a wait measured in years. The claims that are small relative to that effort are the ones that never get worked.
How OneShot would run it
The goal this leaves open.
OneShot was not involved in this event. This is how the goal it describes would run as one OneShot goal: the objective, the steps per case, and the list price of each.
Open and pursue a subrogation file for every paid claim above the carrier's floor, and keep each one moving until it is settled or closed with a reason.
- 01$0.033
Build the liability brief
Commission a cited brief on cause and fault, read the utility's filings, and pull the docket for the consolidated case from the court's portal.
- Research
- Web Read
- Browser
- 02$0.021
Find the right counsel
Identify the claims counsel handling subrogation for the responsible party, with a verified address.
- Company Enrichment
- People Discovery
- Email Enrichment
- Email Verification
- 03$2.51
Send the demand
Mail the demand package with proof of payment, and email the cover letter. The acknowledgement is read from the inbox and logged.
- Physical mail
- Email send
- Email Inbox
- 04$2.15
Follow up on every deadline
Call on each date counsel gave, record the answer, and send the next document they ask for. A settlement offer waits for the adjuster's approval.
- Voice call time
- Call analysis
- Email send
- 05$0.019
Watch the going rate
Check the docket and the news each week. Each new settlement, like the 52 cents here, resets what the remaining files are worth.
- Browser
- Article Search
About $4.73 per case at list prices. Spend limits cap the run; every paid action returns a signed receipt; anything over your approval threshold waits for a person.
Sources
Where the figures come from.
- Edison International 8-K, Sept. 15, 2025checked Oct 3, 2026
- Edison International 10-K for 2025checked Oct 3, 2026