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Free Tools

Interactive tools you can use right now.

4 tools planned

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.

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Guides are being published now

We're writing this section carefully rather than quickly — every guide is checked against primary sources before it goes up. Check back shortly, or start with another section from the menu above.

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.