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Claims and Disputes tools
Products and Providers
Additional living expenses (loss of use) calculator Estimate your monthly extra living costs if a covered loss forces you out of your home, and how many months your loss of use limit would last. Depreciation calculator: actual cash value vs replacement cost Estimate what belongings are worth after depreciation, what an actual cash value check would be, and how much a replacement cost policy pays back later. Home insurance claim checklist Work through the steps of a homeowners claim in order, with extra steps for water, wind, fire or theft, and tick them off as you go. Home insurance claim deadline calculator Pick your state and date of loss to see the dates that matter: when to report, when the insurer must respond and pay, and the last day to sue. Roof claim payout estimator Estimate what a roof claim pays under replacement cost, actual cash value and roof payment schedule settlements, and what you would pay yourself. Should I file a homeowners claim? Compare what a claim would pay with the premium increase it might cause, and see when paying a repair yourself costs less than filing.
Consumers and Advice
Coinsurance and insurance-to-value calculator Test your dwelling limit against the 80% insurance-to-value rule and see how much a partial loss claim shrinks if you fall short. Home inventory builder Build a room-by-room list of belongings and replacement costs, compare the total with your personal property limit, and flag items over the standard limits.
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