The insurer then sought recovery from the utility company for the claim they had paid to our client - this is the doctrine of “subrogation”.  As part of this recovery process the insurer also recovered the excess and after almost four years, our client received a cheque for the six figure excess they incurred.  Now that’s a bonus – yes it took some time but they were able to sit behind the strength of the insurer to achieve the recovery without incurring the extensive management time and legal costs that would normally be associated with such an action against a deep pocketed adversary.