Understand Your Insurance Claim — What Should Have Happened
ClaimsTruth analyzes your policy and claim outcome to identify gaps, inconsistencies, and next steps.
See a Real Claim Analysis
Real reports generated from actual claim scenarios. Clear, structured, and grounded in documentation.
Sample Report
Denied Roof Claim
Homeowners claim rejected for maintenance failure. Is the denial justified?
Water damage not covered under policy exclusions, but maintenance claim is weak.
Sample Report
Underpaid Water Damage Claim
Roof replacement approved for $19,700 but estimate was $24,700.
Depreciation applied at 30% vs policy limit of 10%. Underpayment: $5,000.
Sample Report
Delayed Auto Claim
Collision claim pending for 45 days. No coverage decision made.
Response deadline: 30 days. Delay violates state law. Escalation required.
Structured analysis based on your documents — not generic templates.
Claims Process
Step-by-step breakdown of filing through resolution.
How to read declarations, coverage sections, and exclusions.
Methods adjusters use to estimate damage and determine payouts.
Expected timeframes for each stage of the process.
The most common reasons insurers reject claims.
Claim Issues
Your claim was rejected. Understand why and what options remain.
The payout does not cover actual repair or replacement costs.
Your claim has stalled. Identify what is causing the hold.
Only part of the claim was covered. Understand what was excluded.
Policy Interpretation
Process
Upload your policy, estimate, and correspondence.
Receive a structured analysis against policy terms and industry standards.
Get a clear breakdown of coverage gaps, red flags, and next steps.
Structured claim analysis based on policy language and industry standards. No sales pressure, no affiliate links, no hidden agendas. Every finding references specific policy terms or standard industry practices.
Not sure where to start?
Use the decision tool to identify the most likely issue with your claim and what step to take next.