Find out where your claim actually stands.
Upload what your insurance company sent you. Claimalyx reads your full file — the letter, the photos, the estimates — and gives you a clear report: whether their decision holds up, and whether it's worth professional review.
Each one costs something different. Which one is right depends on one thing: what your file actually shows.
Right when the file supports their decision. Wrong when it doesn't. Most people can't tell which — that's the problem the report solves.
A call to your carrier goes differently when you know which line items to question and which documents to request.
Public adjusters and attorneys work on fees and percentages. Worth it when the gap is real. The report tells you if it is.
All three decisions start with the same question — what does your file show? That is the report.
Before any report, any call, any professional: protect your file. These cost nothing and help in every scenario.
Then run the report against what they said.
Then the report compares the two, line by line.
Then the report organizes the file while you wait.
No. A denial is the carrier's position, not the end of the process. Most policies allow reconsideration, additional documentation, or a re-inspection. Whether it's worth pursuing depends on what your file shows — that's the report's first job.
The most common denial reason in storm claims, and it turns on evidence: photos, dates, and the roof's condition before. If your file contains those, the report shows whether they cut against the carrier's reasoning. If it doesn't, it tells you what to gather.
Every policy sets its own window, and many states add a separate one on top. The clocks are shorter than people expect — sometimes months, not years. The date on the denial letter is where they start. Note it, and treat it as a real deadline.
Yes. A written request for reconsideration, sent to the claims contact on your letter, is a normal step. What makes it land is the file behind it — photos, contractor numbers, dates. The report tells you which of those you already have and which are worth gathering first.
Anything dated before the storm helps: prior inspection reports, real-estate photos, roof-install paperwork, satellite imagery. So does the storm date itself, tied to a public weather record. The report shows which of these your file already contains, and which one would strengthen it most.
No. Professionals expect to see a denial letter — it's often what brings a case to them. What they need is an organized file. That's what the report gives you before you ever speak to one.
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.
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.
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.
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.
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.
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.
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.
Reading your own file changes nothing — no one is notified, nothing is filed. Pricing and renewal decisions involve factors no one can promise about. What you do after the report is entirely your decision, and a professional can walk through it with you.
Not as a first step. Lawyers and public adjusters are worth their cost when there's a real gap. Finding out whether there is one is free.
Not necessarily. Keep every receipt and every photo from before work began, and document what was replaced and why. The more of that in your file, the more the report has to work with.
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.
One document alone rarely answers anything. The letter is read against the photos, the carrier's estimate against your contractor's, the dates against the storm.
Nothing on this list is required. Upload what you have; describe what you don't.
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.
Legal advice, a promise of money, or a way to pressure your insurer. It's an independent reading of your own file. If you haven't filed a claim, or the damage wasn't storm-related, your state's insurance department is the right first stop.
What your property is worth today, after wear. Actual cash value.
What it costs to replace new. Replacement cost value.
The difference between the two. Under many policies, recoverable once repairs are complete.
Your share of the cost, subtracted from payment.
A request to cover repairs the original estimate missed.
Assesses the damage. Assigned and paid by the carrier.
The full list of repairs a job requires. The gap between your contractor's scope and the carrier's is where most disputes occur.
Claimalyx is a Hailworth Growth product, operated by [Company legal name], based in [City, State]. Questions before you start: [hello@claimalyx.com] — answered by a person.
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 — nothing can promise that. The report shows whether there's a gap worth pursuing, which is where every good next step starts.
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.
The first read is done by software built for this — that's why it's immediate and free. Every finding cites its source, and a licensed professional can review the full file on request.
Only if you requested professional review. Otherwise your report is delivered and that's the end of it.