Were your neighborsoffered more?
See how your home insurance offer compares with neighbors who have the same insurer and damage. Free, and you never give your name.
The globe is an illustration, not live data.
How a comparison is made
Every year, millions of homeowners file an insurance claim.
After a disaster, a whole neighborhood files at once.
Photograph. An aerial view of a suburb after a tornado: block after block of houses reduced to scattered debris, the streets between them still laid out in a grid, with undamaged houses in the distance. Moore, Oklahoma. After the tornado of May 20, 2013. Photo: Jocelyn Augustino, FEMA.
Moore, Oklahoma. After the tornado of May 20, 2013. Photo: Jocelyn Augustino, FEMA. But each family deals with its insurance company alone.
Photograph. An aerial view of a curving residential street after a wildfire: several houses burned to their foundations with only chimneys standing, and next to them houses that are untouched. Rancho Bernardo, California. After the wildfires of October 2007. Photo: Andrea Booher, FEMA.
Rancho Bernardo, California. After the wildfires of October 2007. Photo: Andrea Booher, FEMA. The company sees every offer it makes. Each family sees only its own.
Photograph. Aerial footage of a Houston neighborhood during Hurricane Harvey: streets and gardens under brown floodwater, roofs and treetops above the waterline, a helicopter passing low over the houses. Houston, Texas. Hurricane Harvey, 2017. Footage: Texas National Guard.
Houston, Texas. Hurricane Harvey, 2017. Footage: Texas National Guard. ClaimCircle lets neighbors compare. You start by adding your own claim.
No name, no address, no policy number.
Nothing is shown until five homes with the same insurer and damage have joined.
The fifth home unlocks the comparison for all five.
Everyone in the group sees the range of offers. Never anyone’s exact number.
And you see where your own offer falls.
Every group that fills lets five more families compare.
What happened to your home?
Pick one to start your comparison. The form has seven short questions and never asks for your name, address or policy number.
41 insurers are listed. If yours is not one of them, you can type its name in.
Understand the letter they sent you.
Upload the insurer’s letter and your policy. ClaimCircle finds the wording they are relying on, explains it in plain English and drafts a reply you can send yourself.
Meridian Mutual Insurance Company
Claims Service Center
March 28, 2026
Claim No. MM-4471902
Date of loss: March 14, 2026
Insured property: not shown
Dear Policyholder,
We have completed our investigation of the above-referenced claim reported on March 14, 2026 for water damage to the kitchen and adjacent flooring.
Our field adjuster inspected the property on March 19, 2026. The inspection and the report of our consulting plumber indicate that the supply line to the dishwasher had been leaking over an extended period. Staining and deterioration of the subfloor and cabinet base are consistent with moisture exposure occurring over weeks or months rather than a single event.
Your policy excludes loss caused by constant or repeated seepage or leakage of water over a period of weeks, months or years (Section I, Perils Insured Against, paragraph 2.c), and loss caused by wear and tear or deterioration (paragraph 2.d).
Based on the foregoing, we must respectfully deny this claim in its entirety. No payment will be issued.
Separately, we note our records do not reflect notice of this condition prior to March 14, 2026.
If you have information that was not available to us at the time of our investigation, you may submit it for review.
Sincerely,
D. Whitfield, Claims Examiner
An example. The insurer and the claim are made up.
Their letter says the leak was slow, and that slow leaks are not covered.
Your policy also says a sudden leak is covered. Their letter does not mention that.
We do insure for sudden and accidental direct physical loss caused by water escaping from a plumbing system, including the cost of tearing out and replacing any part of the building necessary to repair the system from which the water escaped.
Your reply asks for the reports behind their decision, and a second look at the claim.
It does not promise an outcome. You read it, change what you like and send it yourself.
Read the reply it draftedClose the reply
[Your name]
[Your address]
[Date]
Meridian Mutual Insurance Company
Attn: D. Whitfield, Claims Examiner
RE: Claim No. MM-4471902
Date of Loss: March 14, 2026
I received your letter dated March 28, 2026 denying my claim in its entirety. I am writing to respectfully ask that you reconsider, and to request some information so I can understand the decision.
Your letter says the dishwasher supply line leaked over an extended period and cites exclusions 2.c and 2.d. I also note that my policy insures ‘sudden and accidental direct physical loss caused by water escaping from a plumbing system’, which your letter does not discuss.
To help me understand and respond, please send me:
- 1.A complete copy of the field adjuster’s report and photographs from the March 19 inspection.
- 2.A complete copy of the consulting plumber’s report, including the basis for the conclusion that the leak occurred over weeks or months.
- 3.A certified copy of my policy, including the declarations page and all endorsements.
- 4.An explanation of why the claim was denied in full rather than in part.
Please treat this letter as a request that the claim be reviewed again.
Sincerely,
[Your name]
Questions you might have
- Is it really free?
- Yes. There is no account to create and nothing to pay.
- What do you ask me?
- Seven things: your ZIP code, your insurer, the kind of damage, when it happened, what you claimed, what you were offered, and whether the claim was denied, underpaid or is still open. Never your name, your street address or your policy number.
- Can my insurer or my neighbors see my claim?
- No. Nobody is ever shown another home’s claim. A comparison only shows rounded figures for a group of at least five homes, so no single home can be picked out.
- What if fewer than five homes match mine?
- Then there is no comparison yet, and the site tells you so instead of guessing. Your results page gives you a link to pass on to neighbors, and the comparison appears once five homes have matched.
- What happens to documents I upload?
- ClaimCircle reads them once, automatically, to write your explanation. To do that, your files are sent to Anthropic, the company whose technology does the reading, and they are not used to train it. Nothing is saved unless you tick the box asking us to keep it.
- Is this legal advice?
- No. ClaimCircle is a self-help information tool. It is not legal advice and not a licensed public adjuster. We do not represent you or negotiate with your insurer.
- Where do the numbers come from?
- Only from homeowners who added their own claims. Nothing is estimated or filled in to make the site look busy. The public records on the map are kept separate and are labelled wherever they appear. The live counts are on the receipts page.
Who is behind ClaimCircle
Kai Dajani
Founder and Chief Technology Officer
Built ClaimCircle and runs it.
Haadi
Chief Legal Officer
Leads all of ClaimCircle's legal, privacy and compliance work, and helps steer the company.
Don’t settle it alone.
Seven short questions. We never ask for your name, address or policy number.
Compare my offerA homeowner's own windstorm claim number, sprayed across the front of the house. Galveston Bay, after Hurricane Ike. FEMA.