How ClaimOwl Works
Upload photos, answer a few questions, and get a detailed analysis of what your repairs should really cost.
Upload Your Photos
Take photos of the damage in each affected room. The more photos you provide, the more thorough your analysis will be. Our system accepts up to 50 images.
Tell Us About the Damage
Select which rooms are affected, describe what happened, and provide your property address so we can factor in regional pricing.
Our AI Analyzes Everything
Our analysis engine examines every photo, identifies materials and quality levels, checks for commonly missed items, and calculates current market pricing for your area.
Get Your Report
Receive a detailed, easy-to-read report showing every identified item, what it typically costs, and where your estimate may fall short. Preview key findings for free, then unlock the full report.
Powered by Advanced AI
Our analysis is built on the same AI technology used by leading research institutions and Fortune 500 companies. We use computer vision to identify materials, quality grades, and damage patterns directly from your photos, things that are difficult to assess without physically being there.
Photo Analysis
Identifies flooring species, cabinet construction, countertop grades, trim profiles, and fixture quality from your images.
Regional Pricing
Adjusts all pricing to your local market using current construction cost data for your area.
Pattern Recognition
Trained on thousands of repair scenarios to spot damage indicators and secondary effects that aren't immediately obvious.
Proprietary Discovery Engine
Most homeowners don't know what to look for in an insurance estimate. Our discovery engine systematically checks every category where claims are commonly under-scoped, so nothing falls through the cracks.
Comprehensive Checklist
Every room is checked against 50+ categories including structural, fixtures, code compliance, matching, and commonly omitted items.
Grade Comparison
Compares what a standard estimate typically includes against the actual quality of materials in your home.
Gap Detection
Flags items that are frequently left out of initial estimates entirely, like subfloor replacement, appliance handling, and code upgrades.
Reports You Can Actually Understand
Insurance estimates are full of industry jargon and confusing line items. ClaimOwl translates everything into plain language so you know exactly what you're looking at.
Visual Cost Breakdown
Color-coded charts show where your estimate falls short at a glance, no spreadsheet skills required.
Plain Language Glossary
Every industry term is explained in simple language so you can understand what your estimate actually says.
Contextual Tips
Each item includes an explanation of why it matters and how standard estimates typically handle it differently.
Ready to see what your estimate may be missing?
Upload your photos and get your analysis in minutes.
Free to get started. Preview your results before you pay.