How much does the Recovery Playbook cost?

Free. The Recovery Playbook is free and delivered within 48 hours.

What is the Underpayment Machine?

The systematic set of tactics carriers use to reduce claim payouts: depreciation tricks, scope minimization, O&P removal, matching denials, and delay.

What is Overhead and Profit (O&P)?

When a repair requires coordination of three or more trades, industry convention and court rulings recognize that the homeowner is entitled to General Contractor Overhead and Profit — typically 20% on top of direct costs.

⚡ Intelligence-backed claim advocacy

Your Carrier Made
$977 Billion.
Then Lowballed
Your Claim.

Most homeowners we analyze were shorted $12,000 or more. Not because they didn't have coverage — because they didn't know what to demand. We fix that.

THEIR GAINS

$977B

Net premiums written in 2025 — before they processed a single claim.

YOUR PAIN

$12K+

Average underpayment we identify on analyzed homeowner claims.

UNDERPAYMENT MACHINE

37%

Estimated rate of homeowner claims that are disputed or underpaid annually.

EXHAUSTION GAME

60–90

Days carriers can legally delay your claim — by design, not accident.

The Recovery Playbook

What $1,400+ in analysis looks like — free.

⚡

Leo Intelligence Brief

Our AI scans 17 insurance-vertical sources daily. Your Playbook includes the most relevant recent carrier patterns, rulings, and precedents matched to your specific claim profile.

📋

Line-Item Gap Analysis

We cross-reference your carrier's estimate against industry norms — O&P entitlement, code upgrade requirements, matching statute arguments, and labor depreciation red flags.

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Jurisdiction-Specific Rights

Your state's UCSPA timelines, bad faith statutes, and appeal process — mapped to your carrier's known patterns in that state. Not generic advice. Your state.

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Action Sequence

A ranked list of next moves — starting with what you can do yourself and escalating to appraisal clause, DOI complaint, and attorney referral when warranted.

$5,000 Recovery Guarantee. If we can't identify at least $5,000 in recoverable underpayment from your estimate, we'll tell you — and you owe nothing. No false hope, no wasted time.

Your 60–90 day appeal window is running.

Most homeowners wait too long. Once you've accepted payment and signed a release, reopening becomes vastly harder. Start now — it's free.

Get My Free Recovery Playbook →

No attorney fees. No commitment. Free in 48 hours.

Your Carrier Made$977 Billion.Then LowballedYour Claim.