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Tools to help you decide
Three free tools to help California policyholders make better claim decisions — a claim value estimator, a PA-vs-attorney decision aid, and a fee calculator. All run in your browser. None ask for your email.
Why we built these
When a California homeowner gets a denied claim, a lowball offer, or a long-delayed file, the first conversations they have are with the carrier — not with someone who works for them. By the time they're searching for "is my claim worth fighting" or "should I hire a public adjuster," they're often weeks or months into a dispute and operating on incomplete information.
These tools are an attempt to fix the information asymmetry. They are educational. They are not coverage opinions, and they are not legal advice. They run on industry-typical ranges and California-specific fee structures so you can sanity-check what you're being told before you sign a check, an engagement letter, or a release.
When you're done, every tool routes to the same place: a free written claim review by a human. That's the only way to produce a defensible read on your specific facts.
Educational estimate
Claim Value Estimator
Get a likely range for your claim's covered loss based on industry-typical California ranges. Use this when you have a carrier offer in front of you and you're trying to decide whether the gap is worth fighting. The output is a range, not a number — a defensible scope estimate has to come from a licensed PA reviewing your specific policy and damage documentation.
Open the toolDecision tool
Should I Hire a Public Adjuster?
Six questions, one recommendation: PA-first, attorney-first, or both stacked. The framework follows the same logic our editorial team uses on intake reviews — claim status, conduct signals, claim size, and statute-of-limitations exposure. Use this before signing any engagement letter so you understand which professional you actually need.
Open the toolFee math
PA Fee Calculator
Compare net to you with vs. without a public adjuster, including the California disaster fee cap. Public adjusters in California work on contingency — typically 10–20% of the recovery — and the math on whether a PA "pays for itself" depends on the size of the gap and the fee percentage. This calculator shows you both sides.
Open the toolHow to use these together
The natural order is: estimator first, decision tool second, fee calculator third. The estimator gives you a range to compare against the carrier's offer. The decision tool tells you whether your situation is a PA case, an attorney case, or both. The fee calculator shows you what each path costs in net dollars.
What these tools deliberately do not do: they do not interpret your specific policy language, they do not assess depreciation methodology, they do not render an opinion on coverage exclusions, and they do not produce a number you can attach to a demand letter. Those tasks are why licensed public adjusters and insurance attorneys exist. The tools here are a sanity check — a way to see whether the numbers and recommendations a professional gives you match the rough shape of what your situation suggests.
If you need that defensible read, the free claim review at the bottom of this page is the next step.