Free & private
Free Insurance Claim Tools for Montana Property Owners
Seven calculators, planners and checklists drawn from appraisal work. Use them to understand your claim, check the carrier’s math and plan next steps. No sign-up, nothing stored.
CalculatorClaim Gap & Fee Calculator
Disputed amount, fees and the break-even point where appraisal starts paying for itself.Open the tool
CalculatorDepreciation & Holdback Calculator
Item-by-item depreciation, ACV, first check and the recoverable holdback.Open the tool
CalculatorRoof Pitch & Squares Calculator
Footprint and pitch to true roof area, squares, bundles and a rough cost.Open the tool
CalculatorWind/Hail % Deductible Calculator
Percentage deductibles in dollars, plus the cost of a second storm in one season.Open the tool
PlannerClaim Deadline Calendar
Build a dated claim timeline and export it to your calendar as .ics.Open the tool
ChecklistAppraisal Readiness Quiz
Ten questions, a weighted score and a to-do list before you demand appraisal.Open the tool
EstimatorRoof Snow Load Estimator
Layer-by-layer roof snow weight in psf, compared with a design load.Open the toolSuggested order
Using the tools together
- Start with the claim deadline calendar so no date slips, especially before winter.
- Check roof quantities in the roof pitch & squares calculator.
- See what you’re really owed with the wind/hail deductible and depreciation & holdback calculators.
- In winter, estimate weight with the roof snow load estimator.
- Test the dispute in the claim gap calculator, then score your file with the readiness quiz.
Free first look
Talk to an appraiser
Tell us what the carrier paid and what you think it missed. We’ll say plainly whether appraisal makes sense.
(844) 537-1427Send claim detailsMon–Fri, 8am–6pm MT