Find out where the gap is.
The check arrived and it doesn't cover the repairs. Upload their estimate and your contractor's — Claimalyx reads them line by line and reports whether their number holds up, and whether it's worth professional review.
Before any report, any call, any professional: protect your file. These cost nothing.
Then the report compares the two, line by line.
Usually one of three things: line items left out, prices set below local rates, or depreciation and deductible math. The gap has a location. The report finds it, item by item.
A payment and a settlement are different things — but anything that asks for your signature, or says “full and final” or “release,” deserves a careful read before signing. What your specific paperwork means is a question for a licensed professional, and a reason to have your file organized first.
Under many replacement-cost policies, the carrier holds back depreciation and releases it after repairs are completed and documented. If your letter shows a withheld amount, your report flags it.
Actual cash value pays what the item was worth the day it was damaged — replacement cost minus depreciation. Replacement cost value pays what it takes to replace it new, usually in two parts. Which one applies is on your policy and your carrier's estimate. The report reads them together and shows where you stand.
Yes. Ask the claims contact for the itemized estimate or scope of loss — in writing. Carriers typically send it. Once it's in your file, the report can put it next to your contractor's numbers and show exactly where the gap sits.
In most states, no. You generally have the right to choose your own. What matters for the claim is that the estimate is complete and priced to local rates. The report flags where the carrier's numbers fall short of that, regardless of who wrote them.
Does their decision hold up — and is it worth professional review.
Their letter, weighed against your photos, your contractor's numbers, and your dates. Stated directly.
Yes or no, with the reason. When it's yes, professional review is one tap away — free.
Each one tied to the document it came from.
The document that would strengthen your file most, and how to get it.
Every finding cites its source. Anything described from memory is marked that way.
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.
Carrier, ZIP, storm date, claim status. Two minutes.
Upload what you have. Describe anything missing — the report uses it and marks it as described.
In minutes. One question first: professional review, yes or no. Free either way.
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.
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.
Credentials checked before they see a single file.
This is the work they do — not a sideline.
They pay us for the introduction. You never pay.
A single reach-out. What happens next is your call.
Your yes is logged with a timestamp. Nothing moves without it.
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.
No. Claimalyx produces an independent report on your own claim documents. Professional review is arranged only at your request, at no cost to you.
The report is free because licensed professionals in our network pay us when you request an introduction. You never pay.
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.
No. Claimalyx never contacts your insurer, and nothing about your claim changes.
Then it says so, plainly. A file that supports the carrier's decision ends the second-guessing at zero cost.
Yes. Describe what each document said in a sentence or two. The report uses it and marks it as described rather than verified.