Your claim. Your toolbox.
Every decision that shapes your settlement stays in your hands. For FREE we provide you a way to track your claims process, decode your policy, and understand what is needed to Settle Your Claim. If the numbers don't line up, our Tools will examine all carrier documents, estimates, and engineer reports so you can answer with evidence — custom responses to be sent by you, in your name. A flat fee per claim. Never a percentage.
Start free. Pay only if you need the tools.
Most claims start — and many finish — on the free Claim Organizer. The Full Claim Toolbox is there the day the numbers don’t line up, unlocked for the life of the claim.
Claim Organizer
$0
Track your claims process, decode your policy, filing help, checklists & deadlines, payment tracking, home inventory.
Start free
Full Claim Toolbox
$250 /claim
Every carrier document, estimate & engineer report examined — custom responses drafted for your review, comparisons, rebuttal reports, unlimited documents.
Get started
Roofing Estimate
A full roof replacement quote built from your aerial measurement report — every quantity and unit price stays in your control.
Create a free account
Professional help is priced off your settlement.
Public adjusters typically charge 10–15% of everything the insurer pays — including money you'd likely recover anyway. Attorneys take more. On a mid-size claim, that's thousands of dollars for work that often comes down to strong documentation and a well-argued rebuttal.
Many claims settle fairly once the homeowner submits professional-grade paperwork. Start there. Escalate to a licensed professional only if you have to — the option never expires.
Cost on a $60,000 settlement
Four steps between you and a stronger claim file.
Create your free account
The claim organizer, policy decode, and home inventory are free from day one. Your workspace is private and encrypted in transit and at rest.
Upload your documents
Policy, carrier estimate, engineering report, denial letter, photos, invoices — drag them into the portal.
Activate your claim plan
The organizer stays free. Premium ($250) unlocks every tool that produces or evaluates documents — letters, report decode, comparisons, and the roof worksheet.
Review, download, submit
You review and edit everything, then send the polished PDF to your insurer with our follow-up templates.
Documents that read like they cost a lot more than the flat fee.
Every report is generated from your actual documents — your policy language, their estimate, their engineer's own words.
Policy analysis
Highlights the coverages, endorsements, and policy language that support your position — and flags the exclusions the carrier will lean on, so you're ready for them.
Engineering report rebuttal
A point-by-point response to the carrier's engineering assessment: internal inconsistencies, unsupported conclusions, and observations that contradict the "wear and tear" story.
Denial letter response
A clear, evidence-based reply to full or partial denials, built around your documentation and the specific grounds the carrier cited.
Rebuttal estimate
Identifies missing line items, under-scoped repairs, code-upgrade items, overhead & profit, and additional living expenses the carrier's estimate left out.
Guided claim workspace
A four-phase progress board with checklists, deadlines, an OCR'd document vault, and payment & ALE tracking — so nothing slips and nothing gets lost.
Roof replacement worksheet
Pulls the numbers from your aerial measurement report, lets you set every unit price, and produces a line-item planning worksheet to put next to the carrier's estimate.
Software on your side of the table.
SettleYourClaim is a self-service tool. We don't negotiate with your insurer, contact anyone on your behalf, or touch your claim. You upload, you review, you decide, you submit. That keeps you in control — and keeps every dollar of the settlement yours.
Know when to escalate. Some claims genuinely warrant licensed help — large losses, litigation deadlines, bad-faith patterns, or appraisal demands. Strong documentation from this portal makes that handoff easier too: you'll arrive with an organized claim file instead of a shoebox of paper. Hiring a professional is always your option, on your timeline.
Before you upload.
Am I allowed to handle my own insurance claim?
Yes. Policyholders have the right to prepare, document, and negotiate their own claims. SettleYourClaim is self-service software that helps you build that documentation — we are not a public adjusting firm or a law firm, and we never communicate with your insurer or act on your behalf.
What documents should I upload?
The more the better: your full policy (declarations and forms), the carrier's estimate, any engineering or inspection reports, denial or reservation-of-rights letters, photos of damage, contractor estimates, and repair invoices.
Free claims hold up to 15 documents; Premium claims are unlimited. Premium’s rebuttal reports can combine everything into one strategy.
How fast do I get my report?
Letters, summaries, and worksheets appear in your workspace within moments. Rebuttal analysis reports (a Premium tool) generate within minutes — large multi-document runs can take a little longer — and are delivered in the portal and by email.
Is my data secure?
Documents are encrypted in transit and at rest, and access to your claim workspace is limited to your account. See the Privacy Policy for full details on how information is handled.
What if my claim is too complex for a DIY approach?
Then hire a licensed professional — sincerely. Large or litigated losses, missed deadlines, and suspected bad faith are worth expert help. Everything you build here transfers with you: an organized, well-documented claim file makes any professional you hire more effective from day one.
Do you guarantee a better settlement?
No, and you should be skeptical of anyone who does. Outcomes depend on your policy, your damage, your documentation, and your insurer. What we guarantee is a professional-grade, evidence-based report built from your actual documents.
Outcomes follow the file. Own yours.
Create a free account, get your policy decoded, and take the wheel on your claim — before you give anyone a percentage of your settlement.
Start free Tour the tools