Your insurer's first offer is probably too low
Upload your policy and settlement letter — our AI compares them clause by clause and shows you exactly what the insurer actually owes you. Free preview in 90 seconds.
Uploaded PDFs are processed in-memory and never stored. Extracted text from unpaid claims purges within 7 days; paid analyses stay accessible via your email link for 90 days. Already have a report?
Why $49 flat? Public adjusters typically charge $1,500+ and Attorneys take 33% contingency ($1,320 on a $4,000 claim). Our flat fee replaces both at ~10x less, paid once.
0+
Claims reviewed
$0
Avg. gap found
~2m
To first answer
M. Rivera, Texas
Home · Wind Damage
They offered
$4,200
Policy suggests
$9,100
Underpayment areas
Illustrative examples · anonymized
The problem
Why most insurance settlements are too low
Insurance adjusters are paid to minimize claims. Your policy may entitle you to far more than they offered — but they count on you not checking.
Insurers don't show you the coverage you're entitled to — they hope you won't look
First settlement offers are routinely 20–40% below what policies actually cover
Dispute deadlines are real. Every week you wait narrows your options.
Process
How to dispute an underpaid insurance claim
No lawyers. No retainers. Upload your policy and settlement letter — we show you the exact gap and generate your dispute package.
Upload your documents
Your insurance policy PDF and the insurer's settlement or denial letter. Takes about a minute.
FreeWe analyze the gap
Your policy is compared against what was offered — clause by clause, line by line. We find what they didn't tell you.
~90 secDecide with the full case in front of you
See the gap in dollars, every policy citation, and the insurer's likely counter-arguments. Pay $49 once for the delivery-ready letter, exhibits list, and 21-day escalation plan.
$49 flatNo charge until you choose the full report
And when the carrier replies
We draft your follow-up letters — at no extra charge.
Most insurance disputes don't end with the first letter. The carrier comes back with a partial offer, a denial, a request for more documents, or silence. Paste whatever they send at /case/[id]/respond and we'll tell you what tactic they're using and recommend the next move. From the same screen you can generate a follow-up letter in one click: accept-with-release, counter-offer at refined demand, supervisor escalation, Department of Insurance complaint, or formal demand for response.
Your case dashboard at /case/[id] is one URL with the full timeline — original analysis, demand letter, every reply you log, every follow-up letter, optional outcome. If you go quiet, we'll email a reminder at Day 21, 45, and 90 to ask whether the carrier responded — none of those fire if you've already told us they did.
All of the above is included in your $49 flat fee. No subscription, no per-letter charges. You always send the letters yourself — we never contact the carrier or file complaints on your behalf.
Full dispute package
Everything you need to dispute — in one document
Public adjusters charge $1,500+. Attorneys take 33%. ClaimGap: $49 flat, one time.
Policy citations, dollar ranges, a ready-to-send dispute letter, what the insurer will argue next — and how to counter it. Plus a regulator complaint template if they ignore you.
$49
One-time
Full
No checkout if no gap
Minutes
Delivery after pay
- Gap Analysis
- Exact coverage language versus what was paid — clause by clause.
- Dollar Breakdown
- What the policy entitles you to, with specific dollar ranges.
- Recovery Score
- 1–10 likelihood of getting more, with detailed reasoning.
- Counter-Argument Prep
- What the insurer will say next — and exactly how to respond to each objection.
- Counter-Offer Letter
- Professional draft ready to copy-paste and send today.
- 21-Day Action Plan
- Day 7 / 14 / 21 steps if the insurer ignores your appeal.
- Commissioner Complaint
- Pre-filled formal complaint to your state regulator.
Common questions
Insurance claim disputes — what you need to know
Don't wait
Every day you wait is a day they keep your money
Disputes have deadlines. State statutes of limitation vary. The sooner you check, the more options you have — and the stronger your position.
Before you start
Legal notice: ClaimGap is an informational tool and does not constitute legal advice, insurance advice, or adjuster services. Generated analysis may contain errors and should be verified independently. Recovery is not guaranteed. Results depend entirely on the documents you provide. Consult a licensed attorney before taking legal action. Total liability is limited to amounts paid for the service.