For homeowners handling their own claim — and for the advocates, community groups, and organizations that support them. A guided walk through a sample claim. Every screen below is a real product screen populated with a fictional sample claim, labeled as such.
Each claim is its own workspace — with a photo of the property, the carrier and claim number, your document count, and a live progress tracker so you can see at a glance exactly where the claim stands.
Open a claim and the whole thing comes into focus: your policy, the carrier's decision, and the response you send. A journey tracker shows the stage, and three cards confirm what's on file and what's next.
The rulebook for how your claim must be handled.
✓ Policy decodedWhat they agreed to pay — checked against your policy.
✓ Decision on fileA clear, point-by-point reply — sent in your own name.
The Claim Process tab guides you from your documents to a sent response — and beyond, to recovering what's still owed after payment. Uploading and tracking are free; the response-building tools are the flat-fee toolbox.
We read your coverage, deductible, and endorsements.
Their denial letter or estimate — the position you answer.
A contractor's line-by-line estimate, if you have one.
Let the toolbox build it, or do it yourself.
Send it in your own name — subject line: your claim number.
Upload the carrier's reply — we check whether the payment went up.
Held-back depreciation, code upgrades, and supplements.
The organizer always shows the single most useful thing to do next, tracks your post-loss duties, and counts down the deadlines that matter for your state and policy so nothing lapses.
The carrier has taken a position. See the plain-English breakdown of what they're saying — and what you can do about it.
The Analysis tab explains your policy in plain English and lays out the claim finances: replacement cost, what's held back as depreciation, your deductible, and the actual net payment you should see.
The toolbox reads your policy against the carrier's decision, point by point, and drafts a clear, evidence-backed letter — every figure pulled from your own documents. You review, edit the bracketed parts, and send it in your name.
The toolbox lines the carrier's estimate up against a proper scope and flags what's missing or underpriced — so you can see, in dollars, exactly where their number falls short.
| Line item | Carrier | Should be | Gap |
|---|---|---|---|
| Roof — full replacement | $0 denied | $18,900 | $18,900 |
| Drip edge (code) | missing | $1,240 | $1,240 |
| Interior — water damage | $3,400 | $3,400 | $0 |
| Difference to pursue | $20,140 |
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. The toolbox is one flat $250 per claim — 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.
Every drafted document arrives as a draft with bracketed placeholders. Nothing is final — or sent — without the homeowner's review.
From first notice through settlement and post-claim recovery, the free organizer keeps every deadline, document, and next step in one place.
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 the toolbox ($250) when documents need to be built or checked — one time, per claim, never a percentage.