Four tools. No sign-up. No catch.
Every one is free, needs no account, and runs entirely in your browser.
Hurricane deductible calculator
A hurricane deductible is a percentage of your house, not your loss. See what you actually collect, and whether the claim lands below the deductible.
Open the tool →Claim deadline countdown
Enter your date of loss and state. Get every filing deadline on a live day-by-day timer, each one citing the statute behind it.
Open the tool →Damage photo guide
The whole-home photo protocol an adjuster can’t argue with, exterior, roof, every room, contents, mechanicals. Check off as you shoot; saves on this device.
Open the tool →Adjuster license lookup
Verify any Florida or South Carolina adjuster in two minutes: the official state searches, what each result field means, and the red flags before you sign.
Open the tool →Nothing to sign up for
No account, no email, no upsell. Every tool runs entirely in your browser, the numbers you type never leave your device.
Built on the real rules
The math and deadlines come from state statute and the standard policy forms, the same rules the carrier is using against you.
A starting point, not advice
These tools give you an estimate and an orientation. Your policy language and the current statute control; confirm anything load-bearing with counsel.
Estimates only. Not legal advice; consult an attorney about your specific claim. Figures and deadlines are drawn from state statute and standard policy forms as of July 2026 and have exceptions. Your policy and current law control.
Ran the numbers and something looks off?
The tools give you the math. If the deductible math, a deadline, or a lowball payment doesn’t add up, send the file for a free read by a property-insurance attorney, no cost to submit.
Or start with the tools above — they cost nothing and answer most of the first questions.
HURRICANELAW.PRO A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
Legal matters are handled by Halversen Law, a law firm licensed in Florida and South Carolina.