The subrogation claims recovery process typically takes place after the insurer has compensated their policyholder for a loss caused by a third party. Once the insurer has made the payment to the policyholder, they will then initiate the subrogation process to recover those funds from the at-fault party or their insurer. The timing and duration of the subrogation process can vary depending on factors such as the complexity of the case, the extent of the damages, and the cooperation of the involved parties.