Free Home Insurance Claim Tools
Most disputes with a home insurer come down to a number or a date: what the settlement arithmetic actually produces, and whether the insurer has run past the deadline its own state sets. The four tools here cover both, and each one shows its working so you can check it against your paperwork rather than take it on trust.
All four run inside your browser. Your claim number, your figures, your name and address are never saved, logged or transmitted. There is no sign-up and no email field. They give general information based on published rules as of October 2026 — not legal, insurance or tax advice — and no result is a statement of what you are owed. Confirm anything you intend to act on with your state Department of Insurance, a licensed public adjuster, or an attorney in your state.
1. Claim payout calculator
Three deductions decide what reaches your account, and the order is fixed: depreciation comes off the replacement cost to give actual cash value, then the deductible comes off that. An initial check that looks far too small is usually an ACV payment with depreciation still withheld — money held back pending the repair, not money denied.
The calculator takes your insurer's estimate, the depreciation on it (as a dollar figure, or worked out from age and expected life), and your deductible. It handles the trap that catches people hardest: a percentage wind or hurricane deductible is calculated from your dwelling coverage, not from the size of the loss. At 2% of $350,000 that is $7,000 whether the damage is $9,000 or $90,000.
2. Insurer response deadline checker
Every state sets a clock, and the clocks differ more than most people expect. Florida gives the insurer 7 calendar days to acknowledge and 60 days to pay or deny, counted unusually from notice of the claim rather than from proof of loss. Washington allows 10 working days to acknowledge and 15 working days to decide. Texas requires the insurer to request everything it needs within the first 15 days, so a late document request does not restart the clock.
Enter your state and your dates and the checker works out each deadline, names the statute or regulation it used, and sets out the provisions specific to that state. Seven states are covered: California, Florida, Georgia, Louisiana, New York, Texas and Washington. For the rest it says so rather than guessing — your Department of Insurance publishes the rule.
3. Appeal letter generator
An appeal has to answer the ground the insurer actually stated, which is why the generator asks you to quote the denial letter rather than describe it. It then builds the letter around that reason, lists only the documents you confirm you are enclosing, and states what you are asking for — a review, a re-inspection by a different adjuster, payment of a supplement, or a written explanation of the policy basis.
4. Proof of loss checklist
A proof of loss is a sworn statement, and once signed it sets the figure the insurer works from. Eight points to confirm before it goes in — including the deadline, which runs from the date of loss in most policies and not from the day the insurer got around to asking for the form.
What none of these decide
They apply no judgment to your claim. The calculator performs arithmetic on figures you type; what your insurer actually allows depends on your policy, the scope of its estimate and the adjuster's findings. A deadline that has passed is a question to put in writing, not a finding of bad faith — most of these rules allow extensions, and several run from documents the insurer may say it never received. The letter is a self-help template, not prepared by an attorney.
If you are at the start of a dispute, the full path through a denial sets out the order these steps belong in, and whether a public adjuster is worth the percentage is the question most owners reach next.