2 pgs of text total. One of the issues forever vexing insurers, insureds and counsel is the distribution of a subrogation recovery which amounts to less than the total loss. A cursory review of Sapiano v. Williamsburg Nat. Ins. Co. (1994) 28 Cal.App.4th 533 appears to entitle the insured to first dollar recovery, up to the full amount of its loss. A more careful analysis of the Sapiano decision suggests that its impact on subrogating carriers will generally be much less onerous.