Free Insurance Claim Tools & Calculators
Run the numbers on your own claim before you talk to anyone. Built by licensed Houston public adjusters, every tool runs in your browser — nothing you enter is saved or sent.
Claim Settlement Calculator
Estimate your first check and your total payout from replacement cost, depreciation and deductible.
Open tool →Public Adjuster Fee Calculator
Compare what you keep with and without a public adjuster, and find your break-even point.
Open tool →Hurricane Deductible Calculator
Convert a 1%–5% named-storm deductible into dollars and compare it with your standard deductible.
Open tool →Depreciation Calculator
Check the carrier’s depreciation on a roof, flooring, HVAC or contents using age and useful life.
Open tool →Texas Claim Deadline Calculator
Map Texas Prompt Payment Act deadlines and key policy dates for your claim.
Open tool →Additional Living Expense Calculator
Estimate your Loss of Use (Coverage D) claim when you can’t live at home.
Open tool →Contents Inventory Builder
List damaged belongings room by room, total them, then print or export to CSV.
Open tool →Live Houston Weather Tracker
Current conditions, NWS alerts, radar and hurricane outlook for Houston-area cities.
Open tracker →Hurricane Preparedness Checklist
An interactive, insurance-focused checklist that saves your progress.
Open checklist →Insurance Claim Glossary
Plain-English definitions of ACV, RCV, O&P, appraisal and more.
Open glossary →Calculators are a starting point, not a settlement
These tools show how a claim is built: replacement cost, depreciation, deductibles, coverage limits and deadlines. The hard part is the input. If the insurance company’s estimate is missing line items or uses the wrong pricing, every number downstream is wrong too.
That is what Houston public adjusters do: inspect the property, build an independent estimate and negotiate the difference. If a calculator shows a gap between what you were offered and what repairs will cost, call us for a free review.
Property damage? The clock is already ticking.
Start with a free consultation from Houston Public Adjusters and protect your claim before mistakes cost you money.
