Short answer: a denial letter, a low estimate or a reservation of rights letter is the insurer’s position, not the end of the claim. Claim Review reads the document you upload and tells you in about a minute what it says, what it leaves out, which deadlines now apply and what to gather. A licensed public adjuster then calls you back right away, 24/7. Free, no obligation, and your documents are deleted as soon as they are read.
What You Can Upload
1
A denial letter
You get the policy provisions it cites in plain language, what a complete denial would have addressed and this one does not, the deadlines that now apply, and your options in order: supplemental claim, mediation, appraisal, counsel.
2
The insurer’s estimate or settlement letter
The totals as written, how the deductible and depreciation were applied, which rooms and trades appear, and the categories a complete estimate for that kind of loss usually includes that are missing from this one. Up to 15 MB, so a full Xactimate estimate fits.
3
A reservation of rights letter
Which coverage issues the insurer is reserving on and what each means, what the letter asks you for, what it is not (a denial), and what to do while the claim is open.
4
Photos of the damage
What the photos show and, more useful, the photos and readings a public adjuster would want next and what to preserve before anyone inspects. Not a scope and not a price.
What this is, and isn’t. Claim Review is an automated first read of what your document says and what is missing. It does not tell you what your claim is worth and does not tell you whether to sign or cash anything; a licensed public adjuster covers those on the call. Your files are sent to our reading service once and deleted; we keep your contact details and the text of the read so the adjuster who calls has read what you read. General information, not legal or insurance advice.
Start My Claim Review
Your First Read
Read from the files you uploaded. Anything they did not show is marked "not shown." A licensed public adjuster will call you back right away.
Need to talk now? Call 24/7: Florida (305) 783-3777, New Jersey (732) 517-3777.
Claim Review FAQs
Is Claim Review free?
Yes. No charge and no obligation. If you decide to hire Homeland after the call, Florida caps our fee by statute and New Jersey requires it in the contract; either way, No Recovery, No Fee.
Are my documents stored?
No. Each file is uploaded to a private holding area, read once by our reading service, and deleted in the same request. Homeland keeps your name, phone, email, the state you selected and the text of the read, so the adjuster who calls has seen what you saw.
Will it tell me what my claim is worth?
No, on purpose. A number needs an inspection, the policy and an estimate written by a licensed adjuster. Claim Review tells you what the document says, what is missing, which deadlines apply and what to gather; the adjuster who calls gives the opinion.
What if the insurer’s estimate is 40 pages?
Upload it. Files up to 15 MB each are read in full, including Xactimate estimates with line items, totals, depreciation and the deductible.
Should I cash the check or sign the release first?
Ask the adjuster on the call before you do either. Whether a payment closes a claim depends on the letter that came with it and the policy, and that is exactly what the call is for.
How fast is the follow-up?
Right away. Your upload reaches our 24/7 team the moment it is read, and a licensed public adjuster calls you back, day or night. If damage is happening now, you can also call us directly: Florida (305) 783-3777, New Jersey (732) 517-3777, 24 hours.
DON’T STOP AT THE FIRST READ
Give your claim its best chance at a fair settlement
The automated read tells you what the letter says. A licensed public adjuster tells you what it leaves out, and then proves it to the carrier. Call Homeland right now, 24/7, in English or Spanish, and we start on the claim today. No Recovery, No Fee.