Roof, water, storm: the estimate left money out.
Homeowner estimates routinely omit matching materials and code upgrades. Koala reads the estimate, finds what's missing, and documents the full scope of what it takes to make you whole.
Free while in beta · Koala is not a law firm
What you're up against
A property estimate can look thorough and still skip matching materials, code-required upgrades, and recoverable depreciation: line items you'd only catch if you knew to look for them.
Backup that does the work.
Reads the estimate
Koala works through the adjuster's scope line by line and flags what a comparable repair would include.
Finds what's missing
It surfaces omitted items (matching, code upgrades, recoverable depreciation) with the basis for each.
Drafts the supplement
You get a demand that itemizes the shortfall and requests a corrected settlement, reviewed by you first.
Homeowners questions
The things worth knowing before you answer your insurer.
What do estimates usually leave out?
Matching materials, so the repaired section doesn't sit against a visibly different roof or floor. Code-required upgrades the repair itself triggers. And recoverable depreciation: the money a replacement-cost policy holds back until the work is actually done.
The settlement was already paid. Is it too late?
Usually not. A supplement is the normal mechanism for reopening a settlement when the repair uncovers damage or cost the original estimate missed. That is common, because adjusters write estimates from what was visible on the day they visited.
Is my policy actual cash value or replacement cost?
It says on your declarations page, and it is the single most consequential line on it. Actual cash value pays what the item was worth the moment before it broke, age and wear deducted; replacement cost pays what it takes to replace it today, usually in two payments.
What about flood?
Flood is excluded from essentially every standard homeowner policy in the United States and must be bought separately. Whether water damage counts as flood or as a covered peril is exactly the kind of line that gets drawn too generously in a denial letter.
Don't recognise a word in your letter? Look it up in the glossary to find every term, and where it costs you money.
What home coverage actually promises.
Half of what makes a settlement arguable is knowing what the policy said it would do in the first place: what it covers, what moves the price, and what Koala can't see.
Before you reply to them, read this.
Everything below is free and requires no account. A claim answered from a position of knowing how the process works is a different claim.
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Reference
The glossary
Actual cash value, proof of loss, the appraisal clause: what each term means and where it bites.
- Read it
Guides
Playbooks for a live claim
Documenting damage before you file, and checking a total-loss valuation line by line.
- Read it
How it works
What Koala actually does
The six stages, what you approve, and what leaves your hands, all before you hand it anything.
See what you're actually owed.
Upload your documents and Koala gets to work. You approve everything before it's sent to your insurer.