Frequently Asked Questions

ClaimOwl is a property analysis and market pricing information service. You upload photos of damage to your home, and our AI analyzes them to identify what repairs should cost at current market rates. We help you understand your insurance estimate by showing where items may be undervalued, omitted, or priced below the quality of your actual materials.

You go through a short wizard: select your damage type, tell us which rooms are affected, upload photos, and provide your address for regional pricing. Our AI analyzes everything and generates a detailed report showing each identified item, what it typically costs, and where your estimate may fall short.

Getting started is completely free. You can submit your photos and see a preview of your report at no cost. The preview includes the property summary, cost breakdown charts, and a sample of identified items. To unlock the full report with all items, detailed analysis, and PDF download, there is a one-time fee.

No. ClaimOwl is an information service that provides market pricing data. We do not represent you in any insurance claim, negotiate with your insurer, or provide legal or financial advice. We give you information so you can make better-informed decisions about your own claim.

Our analysis is based on AI examination of your photos combined with current regional construction cost data. While we strive for accuracy, our reports are based solely on photos and descriptions you provide, not a physical inspection. We recommend using our report as one of several resources when evaluating your repair costs. The more and better photos you provide, the more thorough the analysis.

Yes. Purchased reports can be downloaded as a PDF and shared via email directly from the report page. Your report is for your personal use in understanding your property and repairs. You may share it with your insurance company, contractor, or legal advisor.

We analyze water damage, fire and smoke damage, wind and hail damage, theft and vandalism, and other property damage types. Our system works best with interior damage where materials, fixtures, and finishes are visible in photos.

The more photos, the better. We recommend at least 5-10 clear photos per affected room, showing damage from multiple angles. Include close-ups of materials (flooring, cabinets, countertops, trim) so our AI can identify the specific quality and grade. You can upload up to 50 photos per analysis.

Likely Offer is what a standard repair estimate typically includes for an item, often based on basic, builder-grade materials. Realistic Cost is what that item may actually cost based on the materials we identified in your photos, which may be higher quality. The difference between these two numbers is the potential gap in your estimate.

These are repair items that are frequently left out of initial insurance estimates entirely. Examples include subfloor replacement after water damage, appliance disconnect and reconnect labor, contents pack-out and storage, mold assessment, and overhead and profit for multi-trade projects. Our analysis flags these so you can ask about them.

The Essential report includes all identified items with full pricing, materials assessment, code and matching considerations, and a PDF download. The Comprehensive report adds up to 5 report updates with new photos, settlement document comparison, priority re-analysis, and a 30-day money-back guarantee.

Most analyses complete within 30-60 seconds. You can wait on the page and it will automatically show your report when ready, or we will email you when the report is complete.

Yes. All data is encrypted in transit and at rest. Your photos are stored securely and are only used to generate your report. We do not sell your personal information. Passwords are stored using industry-standard bcrypt hashing. See our

Privacy Policy for full details.

We are currently available in 14 states: Alabama, Arizona, Colorado, Georgia, Indiana, Kentucky, Michigan, Nevada, Ohio, South Carolina, Tennessee, Utah, Virginia, and Wisconsin. We are expanding to additional states soon.

Comprehensive Reports include a 30-day money-back guarantee. If you are unsatisfied for any reason, contact us within 30 days for a full refund. Essential Reports are non-refundable as the full report is delivered instantly upon purchase.

We are happy to help. Reach out to us at our contact page or email support@claimowl.io and we will get back to you within 1-2 business days.