For homeowners handling their own claim — and for the advocates, community groups, and organizations that support them. Six stops through a sample claim, followed by the consumer safeguards built into the product. Every screen below is sample output from fictional documents, labeled as such.
Every claim starts here, free: save your claim number, answer simple questions, and the board advances through four phases. Friendly coaching appears exactly when you need it.
Your Claim Journey
Has the insurance company's adjuster inspected the damage yet?
Free accounts get filing help built in: your uploaded policy identifies your insurer automatically and shows the fastest way to file — with a running checklist and deadlines so the claim never stalls on your side.
Payment requests, delay follow-ups, proof-of-loss covers, re-inspection requests — every letter type, drafted from your claim details with bracketed placeholders. You review, edit, and send everything yourself.
Every bracket is yours to confirm — nothing is sent by us, ever.
Upload the carrier's adjuster or engineer report and Premium explains it in plain words — what it concludes, what it's based on, and what's worth a closer look before you respond.
What it says: the engineer visited on May 12 and concluded that most shingle damage comes from age and long-term weather — not the May 2 windstorm. Based on that, the report supports paying only for the small section over the garage.
What it noted along the way: creased shingles on the north slope and lifted flashing at the chimney, photographed on pages 6–7.
Premium puts the carrier's estimate next to your documentation and flags what's missing or under-scoped — then builds a full, evidence-based rebuttal package you can review and submit.
| Item | Carrier estimate | Your documentation |
|---|---|---|
| Roof area | 12.4 SQ (one slope) | 28.5 SQ measured (full roof, aerial report) |
| Drip edge | Not included | Required by code — FBC R905.2.8.5 |
| Overhead & profit | Not included | Multi-trade project (roofing + interior + paint) |
| ALE (hotel, meals) | Not included | $1,180 in receipts uploaded |
Premium reads your aerial measurement report, lets you set every unit price, and produces a line-item planning worksheet — a concrete number to put next to the carrier's estimate.
| Item | Qty | Total |
|---|---|---|
| Tear off & dispose existing roofing | 28.5 SQ | $2,422.50 |
| Architectural shingles, installed (incl. 12% waste) | 32 SQ | $9,120.00 |
| Underlayment, drip edge, ridge, flashing, vents… | — | $4,690.25 |
| Dumpster & permit allowances | 2 EA | $950.00 |
| Overhead & profit (10% + 10%) | — | $3,436.56 |
| Worksheet total | $20,619.31 |
Planning worksheet, not a contractor bid — every quantity and price stays editable and verifiable by you.
The product principles that matter when you're putting a tool in front of policyholders.
Never contacts insurers, never negotiates, never acts on a policyholder's behalf. The homeowner reviews, edits, and submits everything.
The organizer, filing help, and policy decode are free. Premium is one-time per claim — $250 — never a percentage of the settlement.
Plain-language education that helps people understand, document, and respond — without adversarial framing in any direction.
No outcome guarantees, ever. The product actively tells users when a licensed professional is the right call — large losses, legal deadlines, suspected bad faith.
Documents are encrypted in transit and at rest, with workspace access limited to the homeowner's own account.
Every AI-drafted document arrives as a draft with bracketed placeholders. Nothing is final — or sent — without the homeowner's review.
Advocate groups, HOAs, credit unions, community organizations, and disaster-recovery programs: this walkthrough is free to share. Link it from your resource pages, walk through it in a member workshop (use "View as one page" above, or print this page as a handout), and your members can start with the free organizer at no cost to them or to you.
Start free with the organizer, filing help, and your policy decode. Add Premium ($250) when documents need to be produced or evaluated — one-time, per claim, never a percentage.
Start free Read the FAQ