Tools
Calculators. Checklists. Decision tools.
20 utilities. Every one we use internally, organized by what you need to do.
20 pages in this collection
Diagnose Your Situation
9Decision tools that help you figure out where you stand — and whether to escalate.
- Do I Need a Public Adjuster? Florida Decision Tool.Answer 5 questions and find out whether a public adjuster makes sense for your specific situation.
- Estimate Comparison Tool. Carrier vs Contractor.Compare carrier scope against your contractor estimate line by line.
- Florida Carrier Response Time Estimator.Given your carrier and claim type, estimates how long each stage of your claim will take.
- Florida HO-3 Sublimit Explorer. Know Your Caps.Browse standard Florida HO-3 sublimits for jewelry, firearms, cash, and other categories.
- Mold Coverage Analyzer. Sublimit and Endorsement Check.Determine mold coverage scope based on your policy form and endorsements.
- Policy Coverage Decoder. What your HO-3 actually covers.Paste key policy language or enter your policy form type. The tool explains what is covered and what is excluded in plain English.
- Reasonable Mitigation Cost Test. Limit Awareness.Determine whether your mitigation expenses are reasonable per Florida standards.
- Settlement Gap Analyzer. How much your carrier may be underpaying.Compare your carrier's offer against typical scope of loss for your damage type. Identifies likely gaps.
- Storm Claim Readiness Score.Score your storm preparation and post-storm readiness.
Calculate the Numbers
4Math you cannot trust the carrier to do correctly. Run the numbers yourself.
- ALE Calculator. Florida Additional Living Expense.Estimate your ALE (Coverage D) benefit based on Coverage A, percentage, and displacement duration.
- Depreciation Analyzer. ACV vs RCV Math.Calculate depreciation and ACV for common home components and contents.
- Florida Hurricane Deductible Calculator.Enter your Coverage A limit and hurricane deductible percentage. The tool calculates your out-of-pocket for a hurricane event.
- Wind Mitigation Credit Estimator. Florida Premium Discount.Estimate premium credit from wind mitigation features (impact windows, hurricane straps, secondary water resistance).
Generate Documents & Scripts
3Templates and call scripts that put the carrier on the record.
- Civil Remedy Notice Decision Tree.Decide whether your claim situation warrants a CRN filing.
- Civil Remedy Notice Generator. Florida FS 624.155 Template.Generate a draft Civil Remedy Notice per Florida Statute 624.155. Template only; consult counsel before filing.
- FNOL Call Script Generator. First Notice of Loss.Generate a customized script for your first call to the carrier after a loss.
Track & Document
4Checklists and trackers for things that fall through the cracks during a claim.
- Florida Claim Documentation Checklist.Per-damage-type photo, video, and document checklists. Print and work through it.
- Florida Claim Filing Deadline Tracker.Enter your date of loss. The tool calculates your notice, supplemental, and litigation deadlines per Florida statute.
- Florida Policy Renewal Checklist. Annual Review.Annual checklist for reviewing your homeowners policy at renewal.
- Mitigation Cost Logger. Track every recoverable expense.Log every mitigation receipt as you incur them. Tool organizes them by category for claim submission.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
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