Free AI tool · policyholders, contractors and public adjusters
Policy Review
Upload the policy and see what it pays on a claim: limits, every deductible, how the roof is settled, and the exclusions and conditions that change the number.
Why read the policy before the estimate
Roof settlement is the biggest swing. A ZestyAI analysis found ACV roof schedules on about 60% of top-ten carrier policies in 2025, up from 10% in 2015. On those policies an older roof is paid on a schedule, not at replacement cost, and the argument changes from scope to depreciation. Percentage wind and hurricane deductibles, cosmetic damage exclusions and ordinance or law limits change the number just as much.
Once you know the terms, check the carrier's estimate with Second Look and put any dispute in writing with the claim letter builder.
Questions
- What should I upload?
- The full policy is best. If you only have the declarations page, include every endorsement listed on it: endorsements such as roof payment schedules and cosmetic exclusions change the main form, and the endorsement controls.
- Is my policy stored?
- No. The PDF is read once for the review and discarded. You and our team receive the written summary by email.
- Is this a coverage opinion?
- No. It is a reading aid that points to the language that matters. Only the insurer decides coverage on a claim; for a dispute, talk to a licensed public adjuster or an attorney.
Know the policy. Now check the estimate.
We write the line-item Xactimate® estimate the policy actually pays for, $50 per estimate, first one free.
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