Free Texas tool · AI-powered
What does your insurance policy actually say?
Texas homeowners’ policies are dense and full of carve-outs that only matter when you file a claim. Paste a snippet, get a plain-English read in seconds, and a list of gotchas the industry usually buries on page 14.
Why Texas policies are different
Texas leads the country in hail damage, has its own coastal-wind insurance pool (TWIA), and is a major battleground for roof-claim ACV settlements. Generic policy advice doesn’t cut it.
ACV
Most TX policies now settle roof claims at depreciated value, not full replacement
1–5%
Wind/hail deductibles are usually a percentage of your home value, not a flat dollar amount
$8k+
Typical out-of-pocket on a hail claim if you don't know your policy's deductible structure
How it works
Three steps. Ten seconds. Free, forever.
Paste your snippet
From your Declarations page, coverage list, or any clause you want decoded. The more you paste, the more we can flag.
Claude reads it
Our TX-insurance-expert system prompt extracts what's in there — and what's quietly missing.
Get your gotcha list
Plain-English summary, severity-tagged gotchas, and ready-to-send questions for your agent.