The Claim Payment is limited to an Insured Percentage, which is usually up to 90% of the Insured Loss. Once we process the Claim Payment to you, we will be subrogated for the amount of the Claim Payment. If you subsequently manage to recover the entire debt amount, you are entitled to retain the 10% related to the self-retention portion, and you will only need to refund our portion, which is up to 90% of the total claim amount.