Free Florida insurance claim tools
Calculators and checklists that help you understand your claim before you talk to anyone. Everything runs in your browser — nothing you type is sent to us.
Appraisal Worth-It Calculator
Compare the disputed amount against what appraisal is likely to cost you, across low, middle and full-recovery scenarios.
Open tool →Hurricane Deductible Calculator
Turn a 2%, 5% or 10% hurricane deductible into dollars, track what you’ve already absorbed this year, and estimate your payout.
Open tool →ACV & Depreciation Calculator
Estimate depreciation and actual cash value for roofs, flooring, HVAC and contents using age and expected service life.
Open tool →Claim Deadline Calculator
Plug in your date of loss to map Florida’s key claim-notice windows and the insurer’s typical response timelines.
Open tool →Roof Measurement Calculator
Convert a home’s footprint and pitch into roof squares, waste, shingle bundles and underlayment — then compare against the insurer’s estimate.
Open tool →Contents Inventory Builder
Build a room-by-room list of damaged belongings with replacement cost and estimated ACV. Saves in your browser and exports to CSV.
Open tool →Appraisal Readiness Quiz
Twelve quick questions that score how prepared your claim is for appraisal, with a personalized to-do list for any gaps.
Open tool →Tools provide general estimates for planning only. They are not appraisals, legal advice or a substitute for reading your policy.
Disputing an insurance estimate in Florida?
Get a straight answer on whether appraisal is worth it — usually within one business day.