Are you open right now?
Yes. The emergency response line is available 24 hours a day, 7 days a week, 365 days a year. A real person can take the first property details and help identify the next step.
Insurance claim planning tool
Get clear on the deductible before you decide what to ask.
Use this educational estimate to compare an early loss figure with the deductible on your policy. It does not decide coverage, payment, or whether you should make a claim.
See the deductible math before you call.
Enter an early repair or replacement estimate and your policy deductible. This compares only those two figures. It does not decide coverage or tell you whether to make a claim.
Use your best early estimate. Your insurer determines coverage, valuation, deductible application, payment, and any exclusions.
Enter two figuresEstimated amount above the deductible will appear here.
Check the policy wording. Coverage, exclusions, endorsements, limits, and claim steps control the outcome.
Consider the wider picture. Claims history, claims-free discounts, renewal pricing, timing, and evidence are separate from this estimate.
Educational tool only. This is not insurance, financial, legal, or claims advice. ProofResponse does not determine coverage, payment, or whether a claim should be made. Review your policy and speak with your insurer, broker, or advisor before relying on any claim decision.
When the property needs attention now
Do not wait on a calculation when damage is active.
If water is entering, the building is exposed, there is a fire, smoke, electrical concern, or an unsafe condition, call first. This calculator can help prepare a later insurer conversation, but it cannot replace an emergency response.
Before contacting your insurer
Review coverage, exclusions, endorsements, limits, and reporting deadlines.
Document what you can safely see and keep invoices or relevant records.
Consider deductible and renewal implications with your insurer or broker.