Deductible Subrogation Question

Q

Our insureds sustained a large fire loss to their restaurant approximately six years ago. The insurer paid close to $650,000 on the loss and then subrogated against a third party. That subrogation process has now ended and the insurer has recovered a minimal amount, about $30,000. Our insured had a $1,000 deductible on the property coverage, but the insurer has sent him only $70 as the repayment for the deductible.

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