Independent claim report · Free

Delayed.

Find out what your file is missing.

You filed, you called, and you're still waiting. Upload what you have — Claimalyx organizes the file, shows exactly what's missing, and reports whether it's worth professional review.

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Every finding backed by your documentsWorks in all 50 statesLicensed professionals on request
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Three moves for right now.

Before any report, any call, any professional: protect your file. These cost nothing.

If delayed
  1. Put a status request in writing today — email counts. Note the date.
  2. Keep a log: every call, every name, every date.
  3. Keep receipts for emergency repairs, and photograph before fixing.

Then the report organizes the file while you wait.

Common concerns

What people ask after a bad claim decision.

If your claim is delayed
How long can they take?

Most states set deadlines for insurers to acknowledge a claim, decide it, and pay it. The clocks vary by state, and delays past them matter. Keep everything in writing — dates are evidence.

What should I do while I wait?

Put requests in writing, keep your claim number on everything, photograph the damage as it stands, and keep receipts for emergency repairs. A quiet file should still be an organized one — the report gives you that today.

They keep asking for the same documents. Is that normal?

It happens, and it's worth pushing back on — in writing. Send each item once, in a single email, with a list of what's attached and the date. If they ask again, reply to that same email. The record you build there is the record that matters later.

The adjuster stopped answering. What now?

Escalate in writing to the claims department, not the adjuster. Reference your claim number, the date of loss, and the dates of your prior contacts. Ask for a supervisor and a written status. Silence is easier to address once it's documented.

Can I make emergency repairs while I wait?

Most policies require you to prevent further damage — tarping a roof, boarding a window, drying out water. Keep receipts, photograph before and after, and save any invoices. Reasonable emergency work usually doesn't hurt the claim; ignoring worsening damage can.

Is there interest or a penalty if they pay late?

In many states, yes — statutory interest or penalties can attach to payments made past the deadline. The rules vary and the amounts aren't automatic; a licensed professional in your state can tell you what applies. The report gives them a clean timeline to work from.

The report

Built to answer two questions.

Does their decision hold up — and is it worth professional review.

Does their decision hold up?

Their letter, weighed against your photos, your contractor's numbers, and your dates. Stated directly.

Does it warrant professional review?

Yes or no, with the reason. When it's yes, professional review is one tap away — free.

Where the gaps are

Each one tied to the document it came from.

What's missing

The document that would strengthen your file most, and how to get it.

What it rests on

Every finding cites its source. Anything described from memory is marked that way.

Claim reportSample
Does it hold up?

Their estimate doesn't hold up against your contractor's — and the difference isn't the deductible. Two of the three gaps trace to their estimate, not your policy.

Worth escalating?
Yes — this file warrants a professional's review. The gaps below are why.
What doesn't line up
Payment gap — the carrier's estimate is below your contractor's, and the difference isn't the deductible.
Depreciation withheld — an amount your policy may return once repairs are complete.
What lines up
Dates consistent — the letter matches the storm date.
What's missing
The adjuster's report — request a copy from your carrier's claims line.
Based on 2 documents uploaded · 1 described
How it works

Three steps. Seven screens.

01

Answer four questions.

Carrier, ZIP, storm date, claim status. Two minutes.

02

Add your documents.

Upload what you have. Describe anything missing — the report uses it and marks it as described.

03

Get your report.

In minutes. One question first: professional review, yes or no. Free either way.

The business model

The report is free because licensed professionals in our network pay us when you request an introduction. You never pay. No one contacts you without your request.

The professional network

Licensed professionals, on your terms.

Say yes to professional review, and your file goes to a licensed professional from our network — firms and public adjusters whose work is storm and property claims. They read the same report you do, and contact you once. Say no, and no one ever does.

Whether an insurer acted in bad faith is a legal determination — software can't make it. The report shows whether your file raises the questions a professional would examine. This is what the network exists for.

Licensed and verified

Credentials checked before they see a single file.

Storm-claim focus

This is the work they do — not a sideline.

No cost to you

They pay us for the introduction. You never pay.

One contact

A single reach-out. What happens next is your call.

Recorded consent

Your yes is logged with a timestamp. Nothing moves without it.

Privacy

Your file stays yours.

Documents are encrypted in transit and stored privately. Claimalyx never contacts your insurance company, and nothing about your claim changes. Your file is shared only when you request professional review — and that consent is recorded. Deletion is available at any time.

Encrypted uploadsStored privatelyNever sent to your insurerShared only on recorded consentDeleted on request
Questions

Asked and answered.

Is this a law firm?

No. Claimalyx produces an independent report on your own claim documents. Professional review is arranged only at your request, at no cost to you.

What's the catch?

The report is free because licensed professionals in our network pay us when you request an introduction. You never pay.

Can it tell me if they acted in bad faith?

Bad faith is a legal determination — software can't make it. The report shows whether your file raises the questions a professional would examine. Professional review exists for exactly that, free.

Will my insurance company know?

No. Claimalyx never contacts your insurer, and nothing about your claim changes.

What if the report finds nothing wrong?

Then it says so, plainly. A file that supports the carrier's decision ends the second-guessing at zero cost.

I lost the paperwork. Can I still do this?

Yes. Describe what each document said in a sentence or two. The report uses it and marks it as described rather than verified.

Know where your claim stands.

Free report. Three minutes. No obligation.

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Claimalyx

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Claimalyx provides an informational document review only. It is not legal advice, an insurance adjustment, or a valuation of your claim. Report quality depends on the documents provided. © 2026 Claimalyx.

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