Your Insurer Lowballed You
Fight Back in 10 Minutes

No. GetFullPayout is an AI-powered document preparation tool. We help you generate a professional demand letter based on your policy terms and damage details. We do not provide legal advice, and we are not a substitute for an attorney. If your claim involves litigation, we recommend consulting a licensed attorney in your state.

A public adjuster typically charges 10-15% of your settlement — on an $11,000 claim, that's $1,100 to $1,650. GetFullPayout generates the same type of professional demand letter a public adjuster would prepare, for a one-time fee of $59. You keep the savings.

We support all common homeowner insurance claims including roof damage, water damage, fire damage, wind damage, hail damage, and more. Our AI adapts the demand letter to your specific damage type and references applicable state regulations.

Most users complete the entire process in under 10 minutes. Upload your policy, describe the damage, and your demand letter is generated instantly. You can download it immediately after payment.

Yes. Uploading your policy PDF allows our AI to reference your specific coverage limits, deductible, and policy clauses in the demand letter. This makes the letter far more effective than a generic template. Your policy data is processed in your browser and never stored on our servers.

Absolutely. Your insurance policy is processed entirely in your browser — it never leaves your device. We use 256-bit SSL encryption for all communications. We do not store your personal information or policy details after your session ends.

We offer a 30-day money-back guarantee. If the demand letter doesn't meet your expectations, contact us for a full refund. No questions asked.

Yes. GetFullPayout generates demand letters tailored to insurance regulations in all 50 US states and Canadian provinces. The AI includes state-specific language and references relevant insurance codes for your jurisdiction.

Send the demand letter via certified mail to your insurance company's claims department. Keep a copy for your records. Most insurers respond within 30 days. If they don't respond or reject your demand, you may want to consult a licensed attorney or file a complaint with your state's insurance commissioner.

Yes. GetFullPayout is especially useful for appealing claim denials. Our AI generates an appeal letter that addresses the denial reasons, cites relevant policy language, and references state insurance regulations that may support your claim.

Common signs of a lowball offer include: the adjuster's estimate is significantly lower than independent contractor estimates, the adjuster spent minimal time inspecting the damage, the report omits areas of visible damage, the estimate uses outdated material pricing, or the offer doesn't account for code upgrades required by your municipality. If you get contractor estimates that are 30% or more above the adjuster's offer, you're likely being lowballed.

In most states, yes — you can reopen a claim if you discover additional damage or if the original settlement was insufficient. Most policies allow supplemental claims within 1-2 years of the original loss date. Contact your insurer in writing, reference the original claim number, and document the newly discovered damage. GetFullPayout can help you generate a supplemental demand letter for reopened claims.

Actual Cash Value (ACV) pays the depreciated value of damaged items — what they were worth at the time of the loss. Replacement Cost Value (RCV) pays the full cost to replace damaged items with new equivalents at current market prices. The difference can be thousands of dollars. Most modern HO-3 policies include RCV coverage, but some adjusters initially offer ACV amounts. Check your declarations page to confirm your coverage type.

Yes — your policy likely requires you to cooperate with the insurer's investigation, which includes allowing the adjuster to inspect the damage. However, you can (and should) be present during the inspection, take your own photos and notes of what the adjuster examines, and note any areas they skip or spend minimal time on. You're not required to agree with their assessment on the spot.

Response times vary by state but most states require insurers to acknowledge communications within 15 days and make a decision within 30-45 days. For example, Texas requires a response within 15 business days, California requires 40 calendar days, and Florida requires 90 days. If your insurer misses these deadlines, you may have grounds for a bad faith complaint with your state's Department of Insurance.

Yes. A demand letter is the same document a public adjuster charges $500-2,000 to prepare, or that a lawyer bills $200-400/hour to draft. GetFullPayout uses AI to analyze your specific policy and generate a professional, policy-specific demand letter for $59. Our users recover an average of $7,000+ more than their initial offer. That's a potential 100x+ return on a $59 investment.