You might be leaving thousands on the table
Check your insurance claim before you accept their offer. Upload your policy and settlement letter — we will show you what they actually owe you.
1,240+
Claims reviewed
$4,200
Avg. gap found
~2m
To first answer
M. Rivera, Texas
Home · Wind Damage
They offered
$4,200
Policy suggests
$9,100
Underpayment areas
Illustrative example · anonymized
The problem
Insurance companies are not on your side
Their adjusters are trained to minimize payouts. Your policy says one thing — their offer says another.
Insurance companies don't show you what they actually owe
Most first offers are deliberately low — that's standard practice
You have a limited window to dispute. Waiting costs you money.
Process
Three steps to know your leverage
No lawyers. No retainers. Upload two PDFs, answer a few questions — we show you the gap.
Upload your documents
Your insurance policy PDF and the insurer's settlement or denial letter. Takes about a minute.
FreeWe analyze the gap
Your policy is compared against what was offered — clause by clause, line by line. We find what they didn't tell you.
~90 secGet your leverage
See the gap in dollars. Unlock the full report — dispute letter, escalation plan, and policy arguments — for $149.
$149 unlockNo charge until you choose the full report
Full report · $149
Everything you need to dispute — in one document
Policy citations, dollar ranges, a ready-to-send dispute letter, and a regulator complaint template if they ignore you.
$149
One-time
30 days
Refund window
Minutes
Delivery after pay
- Gap Analysis
- Exact coverage language versus what was paid — clause by clause.
- Dollar Breakdown
- What the policy entitles you to, with specific dollar ranges.
- Recovery Score
- 1–10 likelihood of getting more, with detailed reasoning.
- Counter-Offer Letter
- Professional draft ready to copy-paste and send today.
- 21-Day Action Plan
- Day 7 / 14 / 21 steps if the insurer ignores your appeal.
- Commissioner Complaint
- Pre-filled formal complaint to your state regulator.
Don't wait
Every day you wait is a day they keep your money
Disputes have deadlines. State statutes of limitation vary. The sooner you check, the more options you have — and the stronger your position.
Before you start
Legal notice: ClaimGap is an informational tool and does not constitute legal advice, insurance advice, or adjuster services. Generated analysis may contain errors and should be verified independently. Recovery is not guaranteed. Results depend entirely on the documents you provide. Consult a licensed attorney before taking legal action. Total liability is limited to amounts paid for the service.