Four free tools. No email required, no account, no data sent anywhere. They run in your browser and we don't store what you type.
What's coming in this section
- Denial Decoder. Pick the reason on your denial letter and get a plain-English explanation of what it means and what your options are.
- Deductible Calculator. Compare premium savings against added risk to find your break-even point.
- Policy Audit Checklist. Walk through your policy section by section and flag the gaps most people miss.
- State Complaint Finder. Select your state and get the official Department of Insurance contact, complaint process and applicable timelines.
Why tools instead of more articles
An article explains a general rule. A tool applies it to your situation. For most of the questions people bring to this site — is my deductible right, what does this denial code mean, who do I complain to — a tool answers faster and more accurately than a page of text.
Published guides
Claim Timeline Tracker
A dated log is what turns a series of phone calls into a record.
Coverage Gap Checker
Answer a few questions and see which gaps are worth checking in your own policy.
Deductible Calculator
How many claim-free years a higher deductible needs to pay for itself.
Denial Letter Decoder
Paste your denial letter. See the jargon translated. Nothing leaves your browser.
Home Inventory Builder
A contents claim is settled from a list. This builds the list.
State Complaint Finder
Filing is free. This tells you where to go and what to have ready.
Before you act on this
This page explains a general process. It is not advice about your specific policy or claim. Insurance rules vary by state and by policy, and they change.
Read your own policy documents, and for anything with money or deadlines at stake, talk to a licensed agent, a licensed public adjuster, or your state Department of Insurance — contacting your Department of Insurance is free.