Free tools for property owners
What a storm or a renewal could cost you, building by building.
Before a storm
Hail vs your roof
How often hail near an address has reached the published damage size for its roof.
Hail and wind history for an address
Every day since 2010 with hail or wind reports near a street address.
Pre-storm photo checklist
What to photograph and record before storm season, roof section by roof section, as a dated condition record.
At renewal
Coinsurance penalty calculator
What a claim pays when a building is insured below the policy's coinsurance requirement.
Building value update
A last known value trended to today with federal construction cost indexes.
Hurricane and wind deductible calculator
What a percentage deductible would cost on each building, with each coastal state's rules.
Deductible trade-off
How many years of premium savings equal a higher deductible.
After a storm
After-storm checklist
After hail or wind: safety, photos and records, temporary protection and notice to the insurer.
Claim deadlines by state
A state's published rules on reporting storm damage, time to sue and insurer deadlines.
Actual cash value and roof depreciation
Replacement cost, depreciation by age, the deductible, and what is paid now and after repairs.