A real number needs real inputs.
We used to offer a 60-second claim calculator: type in your Coverage A, pick a damage level, get a range. We pulled it. A coverage limit times a damage percentage is not a credible number, and you deserve better than theater. A trustworthy money meter needs your actual policy, your actual damage, and real documentation.
What a credible money meter is built from
Four inputs and a guess will always give you a guess. Here is what actually goes into a number worth planning around:
- Your policy, the real one. The declarations page: coverages, limits, deductible. Not a guess at your Coverage A.
- 8 to 30 photos. Wide angles of every corner of the home, wide angles of every affected room, close-ups of every damaged area. Taken only where it is safe, mask on where there is smoke or soot.
- Rooms impacted and smoke migration. The real footprint of the loss, not just the room you noticed first. Smoke at the far end of the house changes the whole scope.
- Your account of what happened, in your own words, plus what's already on paper: inspections, estimates written, and who was given copies.
- Your contents estimate. What everything you own was actually worth, before depreciation math shrinks it.
Get the number that's actually yours.
The free Claim Score reads your policy, your photos, and your documentation in about 4 minutes, and the money meter comes built into your results, with the basis broken down so you can see exactly what it is standing on.
What drives the number
Six things actually move a claim's value. Most property owners leave money on at least two of them.
General information only, not an estimate of your claim's value and not a coverage determination. Every claim turns on its own policy language and documentation.