30 Years on the Inside

Your insurance company
has experts working for them.
Now you have one too.

Plain-language claim consulting from a 30-year P&C insurance industry veteran. Documentation, estimates, settlements, and document review — finally explained by someone who's been on the other side of the desk.

Get My Free Claim Checklist Submit Documents for Review

No attorneys. No public adjusters. No conflict of interest.

30+
Years in P&C
All 50
States covered
VP
Claims executive
The problem

Most homeowners don't know what they don't know.

When disaster hits your home, your carrier sends an experienced adjuster. You get one shot to document your loss, respond to their estimate, and protect your settlement. Most homeowners make costly mistakes — not because they're careless, but because nobody ever told them how this process works.

📋
Documentation gaps
Missing photos and incomplete records are the #1 reason claims get underpaid. Adjusters can only pay for what's documented.
📄
Policy confusion
ACV vs RCV. ALE. Ordinance & Law. Most homeowners sign off on settlements without understanding what they were owed.
💰
Low settlements
Without knowing what fair looks like, you have no way to push back — even when you have every right to.
⏱️
Missed deadlines
State-specific reporting windows, proof of loss deadlines, and appraisal timeframes can close your options permanently.
Services

Priced for your claim — not a one-size-fits-all fee.

A minor hail claim and a total loss house fire are completely different engagements. Our pricing reflects the time and expertise your specific situation requires.

Our review fee reflects the time your claim actually requires. A straightforward hail estimate takes less than an hour. A total loss fire with a contents inventory and disputed ALE can take an entire day. We price accordingly — so you never overpay for a simple review, and complex claims get the attention they deserve.
Tier 1 — Basic
Single Document Review
One estimate or EOB. Loss under $25K. Straightforward peril.
$149
72-hr turnaround
Includes:
  • Line-item estimate analysis
  • Settlement fairness assessment
  • 1–2 page written summary report
  • Prioritized next steps
Submit Documents →
Tier 2 — Standard Most popular
Full Claim Package Review
Estimate + policy declarations + photos. Loss $25K–$100K. Most wind, hail, water, theft claims.
$299
48-hr turnaround
Includes:
  • Full estimate & scope review
  • Coverage adequacy assessment
  • Documentation gap analysis
  • Settlement fairness rating
  • 3–5 page detailed report
  • Prioritized action list
Submit Documents →
Tier 3 — Complex
Dispute & High-Value Review
Base fee covers up to 3 hrs. Loss up to $250K. Disputed claims, denials, total losses. Complexity adjusters apply for larger losses.
$499+
48-hr turnaround
Base includes:
  • Full package review
  • Denial letter analysis
  • Bad faith indicators assessment
  • Carrier correspondence review
  • Comprehensive findings report
  • Draft carrier response language
  • Appraisal readiness assessment
Submit for Custom Quote →
⚡ Complexity Adjusters — added to Tier 3 base
Tap to see what factors affect your final fee
+
These adjusters are added to the $499 base fee based on your specific loss. We confirm the final fee before any work begins — no surprises.
Total loss — structure+$200
Contents inventory (50+ items)+$150
Loss value $250K–$500K+$150
Loss value $500K++$300
Multiple estimates (3+)+$100
ALE documentation (3+ months)+$100
Carrier correspondence history+$100
Litigation support / EUO prep+$250
Rush turnaround (24 hours)+$150
Example — Total loss house fire: $499 base + $200 (total loss) + $150 (contents 100+ items) + $100 (ALE docs) = $949 total.
Tier 4 — Custom
Large Loss & Commercial
Losses over $500K, commercial properties, CAT claims, expert witness, litigation support. Quoted individually.
Custom
Quote within 4 hrs
  • Billed at $150–250/hr depending on scope
  • Minimum engagement fee applies
  • Expert witness rates on request
Request a Quote →
Add-on: Written Carrier Response Letter
Professionally drafted letter ready to send — based on your review findings. Available with any tier.
+$150
Monthly Retainer — Active Claim Support
Unlimited document review + email support for the duration of your active claim. Up to 5 hrs/month. Ideal for prolonged disputes.
$500/mo
+$150/hr beyond 5 hrs
Sample Review Report — Wind & Hail Claim
Standard Review — $299
📋 Estimate Findings
⚠
Roof scope incomplete. Ridge cap, drip edge, and ice & water shield not included. Estimated gap: $2,100–$3,400.
⚠
Excessive depreciation on HVAC. 40% applied to 6-year-old unit. Recommend challenging with manufacturer specs.
!
Overhead & Profit not included. GC involvement likely required — O&P should be requested.
✅ Coverage Assessment
✓
RCV confirmed. Recoverable depreciation available upon repair completion.
!
Ordinance & Law endorsement present — not invoked. Home built 1987. Code upgrades likely required — invoke before repairs begin.
📌 Priority Actions
1
Request supplemental inspection in writing — reference missing line items.
2
Submit HVAC manufacturer spec sheet to dispute depreciation.
3
Notify carrier of Ordinance & Law intent prior to construction start.
Quick review
$150 / 30 min
Best for estimate reviews, coverage questions, and "what do I do next" situations.
  • Estimate or denial review
  • Coverage question answered
  • Specific next-step guidance
  • Video or phone call
Book 30-min Consult
Most popular
Deep dive
$250 / 60 min
For complex or disputed claims, supplement requests, and appraisal preparation.
  • Full estimate analysis
  • Supplement strategy
  • Written recommendations
  • Appraisal & dispute prep
Book 60-min Consult
Self-serve guidance
$49 / claim event
Step-by-step interactive guidance built for homeowners — informed by 30 years of adjuster experience.
  • Loss-specific documentation checklists
  • Coverage decoder in plain English
  • Settlement review framework
  • State-specific rights & deadlines
  • Push-back decision guide
Access the App — Coming Soon
How document review works

Simple. Transparent. Delivered to your inbox.

No calls required. Submit your documents and receive an expert written report within 48–72 hours.

1
Submit your intake form
Tell us about your loss — type, state, loss value, and documents you have. Takes 3 minutes.
2
Receive your fee confirmation
For Tier 3 and custom requests, we confirm the final fee before you pay. No surprises, no hidden charges.
3
Securely upload your documents
Estimates, policy declarations, photos, letters, contractor bids — the more you provide, the more thorough the review.
4
Expert review — personally completed
Every document reviewed by a 30-year claims executive. Not automated. Not outsourced. Line by line.
5
Receive your detailed report
PDF report delivered to your inbox within 48–72 hours. Findings, red flags, and a prioritized action list.
About

Built by someone who's been on the inside.

The Claim Insider
30-Year P&C Claims Executive · VP Claims Operations
After three decades inside the insurance industry — reviewing thousands of claims, training adjusters, and managing complex losses across all 50 states — The Claim Insider was built to give homeowners the knowledge that should have been available to them all along. Every review and consult is personally completed. No automation. No outsourcing. No conflict of interest.
P&C Insurance Claims Operations TPA Management All 50 States Wind · Water · Fire
Client results

Real guidance for real losses.

What homeowners say after working with The Claim Insider.

★★★★★
"The document review found $14,000 in missed items and excessive depreciation on my hail claim. Paid for itself 47 times over."
Homeowner · Colorado · Hail damage · Standard Review
★★★★★
"Total loss fire. I had no idea where to start. The Complex Review walked me through everything — contents inventory, ALE, the works. Worth every dollar."
Homeowner · Tennessee · House fire · Complex Review
★★★★★
"The carrier revised my estimate within a week of me sending the response letter that came with my review. $18,000 difference."
Homeowner · Texas · Hail damage · Standard Review + Carrier Letter
FAQ

Common questions.

If you have one document and your loss is under $25K — Basic. Full package and loss under $100K — Standard. Disputed, denied, total loss, or high-value — start with Tier 3 and we confirm your final fee after reviewing your intake form.
For Tier 3 reviews, we assess your intake form and confirm your final fee before you pay. You'll receive a fee confirmation email within 4 hours of submission. No work begins until you approve the fee.
No. Public adjusters negotiate on your behalf and take 10–15% of your settlement. We provide expert education and consulting — you stay in control of your claim. Our guidance helps you respond to your carrier effectively without giving up a percentage of what you're owed.
Documents are submitted through an encrypted portal and used solely for your review. Your information is never shared with third parties, carriers, or public adjusters.
Depending on your state and policy you may still have options — supplemental claims, appraisal, or reopening. Submit your documents and we'll assess your situation honestly before you pay anything.
Wind and hail, water damage, fire and smoke, hurricane, theft, and liability claims — in all 50 states. If you're unsure whether your situation qualifies, book a 30-minute consult and we'll tell you honestly.

Get your free claim checklist.

What to do in the first 24 hours after a home insurance loss — from a 30-year claims industry veteran. Delivered instantly to your inbox.

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