Free claim analyzer
Insurance won't pay what you expected? Upload the estimate.
Drop your loss settlement worksheet or adjuster's estimate below. Our AI translates every line, flags depreciation that's being held back, points out items missing from the scope, and tells you exactly what to do next — in plain English, for free, no email required.
We don't save your document. Analysis runs in real time and disappears when you close the page.
What you'll get back
The money, step by step
How the carrier got from replacement cost to the check they actually cut you.
Recoverable depreciation, explained
If money is held back, you'll see exactly what to send and roughly by when to recover it.
What the estimate left out
Missing line items — code upgrade, permit fee, dump fees, drip edge, O&P — that you can request via supplement.
Your next 3-6 steps
Concrete actions, in order, written in plain English. No insurance jargon.
Want a human to review the analysis?
A licensed advisor can walk through the numbers with you and tell you whether to file a supplement or escalate to your state DOI.
Frequently asked
What is a Claim Analyzer?
A free tool that reads your insurance company's claim paperwork — loss settlement worksheet, estimate, or scope of loss — and translates every line into plain English. It shows you exactly what you were paid, what's being held back as depreciation, what line items are missing from the estimate, and what to do next to recover money you're owed.
What documents can I upload?
Loss settlement worksheets, adjuster estimates (Xactimate, Symbility, etc.), scope of loss documents, denial letters, and proof of loss forms. PDF or photo. If it's the page from your insurance company with the dollar amounts on it, upload it.
Is my claim document stored or shared?
The analysis runs in real time and we do not save the document or the results to your account in this free public version. If you create a free account, you can save analyses to refer back to.
Can the AI tell me if I'm being underpaid?
It can flag the common reasons claims come in low — recoverable depreciation that hasn't been released, missing line items (code upgrade, permit fee, dump fees, drip edge, starter course, O&P, sales tax), ACV-only settlement, or partial-slope approval. For a definitive opinion on whether to file a supplement or hire a public adjuster, talk to a licensed advisor.
Keep reading
Why Is My Insurance Payout So Low?
The six declarations-page line items that decide every underpayment.
Read moreAfter a claimInsurance Only Paid Half My Roof
Recoverable depreciation, ACV, or partial-slope approval — find which.
Read moreAfter a claimInsurance Claim Denied?
Why claims get denied and how to dispute it.
Read moreGeneral information, not legal or financial advice. Settlement practices, deadlines, and endorsements vary by carrier and state.