Free tool · Educational estimate
Claim value estimator
A 60-second estimate of your claim's likely covered range, based on industry-typical California ranges. Not a coverage opinion. Not legal advice. A sanity check.
What this tool does
This estimator takes your property's rebuild cost, the type of damage, the extent of damage, and a few claim-specific details and returns a likely range of covered loss. The math is intentionally simple — multipliers based on industry-typical California ranges, not actuarial models. The output is meant to anchor your expectations before you negotiate, not to produce a number you can attach to a demand letter.
Use it when you have a carrier offer in front of you and you're trying to decide whether the gap is worth fighting. Use it before signing a release or accepting a payment that feels low. Use it as a starting point for a conversation with a licensed California public adjuster.
What this tool is not
This is not a coverage opinion. It does not interpret your policy's specific exclusions, sublimits, deductibles, or endorsements. It does not factor in your depreciation schedule or replacement-cost-vs-actual-cash-value math. It does not account for Building Ordinance & Law coverage, scheduled personal property, scheduled outbuildings, debris removal sublimits, or business interruption. Each of those can move the number meaningfully on a real claim — sometimes upward, sometimes downward.
For any of those questions, you need a licensed public adjuster reviewing your specific policy and damage documentation. The free claim review at the bottom of this page is how you start that conversation.
Educational estimate
Estimate your claim's likely range
Roughly 60 seconds. No email required. Not a coverage opinion.
How the math works
Each claim type carries a multiplier band. Smoke claims have the widest band because real-world smoke exposure routinely expands beyond what the first carrier inspection captures — contents, HVAC, wall cavities, soft furnishings. Fire claims have a tighter band because the visible damage is easier to scope, even though the depreciation math and code-upgrade exposure can still shift the number. Water and mold are bracketed tightly because sublimits dominate. Earthquake claims start lower because California earthquake deductibles run high.
The damage-extent percentage controls how much of the property's rebuild cost is potentially at risk. Total losses anchor to 85–100% of rebuild cost; partial losses with smoke spread (a common 2025 wildfire pattern) sit at 40–85%; moderate damage (one or more rooms) sits at 10–40%; minor damage (cosmetic, localized) sits at 3–10%.
ALE (Additional Living Expense) is added on top, scaled by the number of weeks you're displaced and a typical California weekly housing range. Stale claims (more than 12 months old) take a haircut to reflect the coverage erosion that comes with documentation gaps and statute-of-limitations exposure.
None of these numbers are guarantees. They are anchors. The actual number depends on your policy, your documentation, and the carrier's posture — which is why a written claim review is the next step after this tool, not before it.