A subrogation file between two independent adjusting firms in Calgary, Alberta, reached an impasse in November 2023. The adjuster handling the recovering insurer's claim received a cheque for $14,200 from the adjuster representing the at-fault party's carrier—roughly $6,800 short of the documented subrogated loss. The receiving adjuster deposited the funds but maintains no agreement existed that the payment would close the file.
The record is silent on critical details: whether the cheque bore a restrictive endorsement, whether any accompanying letter specified full and final settlement terms, and whether the receiving adjuster communicated any objection before or after deposit. For the recovering insurer's file, the unresolved question is whether the adjuster's conduct extinguished the balance of the subrogation claim or preserved it.