helpful.app · Storm & Insurance Tools

Know what you're owed.
Before you call anyone.

Estimate your storm damage costs. Then upload your insurance policy and get a plain-language explanation of what's actually covered — and what the fine print might be hiding.

Insurance companies have teams of adjusters reading your policy. Now you can too.
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The Storm
What happened and when.
$500
$1,000
$2,000
$2,500
Check your declarations page — some policies have a separate wind/hail deductible (often 1–2% of home value)
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What's Damaged?
Select everything that applies. Tap again to mark severity.
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Roof / Shingles
$3,500–$22,000
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Gutters & Downspouts
$800–$4,500
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Siding / Exterior
$2,500–$18,000
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Windows / Screens
$400–$8,000
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Fence / Gate
$800–$5,000
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Deck / Patio
$500–$6,000
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HVAC / AC Unit
$600–$8,000
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Interior Water Damage
$1,500–$25,000
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Tree / Debris Impact
$1,000–$15,000
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Garage Door
$500–$3,500
Minor — visible but cosmetic
Moderate — functional damage
Major — significant damage
Severe — near total loss
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AI-Powered Policy Reading · Regulatory Referenced
Our AI reads your actual policy language against Ohio Department of Insurance guidelines, NAIC model policy standards, and Ohio Revised Code. Every flag is cited against a regulatory source — not just our opinion. Educational information only, not legal advice.
🏛️ Ohio Dept of Insurance 📊 NAIC Consumer Data ⚖️ ORC 3901.36 📞 ODI Complaints: 1-800-686-1526 📂 SERFF Ohio Rate Filings
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Your Insurance Policy
Upload a PDF or image of your policy, declarations page, or insurance estimate. Your file is processed securely and not stored.
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Tap to upload your policy
PDF or image · Declarations page, full policy, or insurance estimate · Max 10MB
— or —
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What Happened?
Describe your situation in plain language. The more specific, the more accurate the analysis.
Educational tool only. This analysis explains insurance policy language and identifies potentially relevant coverage and exclusions based on your described situation. It is not legal advice, insurance advice, or a coverage determination. Actual coverage is determined solely by your insurance company. For disputed claims, complex situations, or if you believe you are being underpaid, consult a licensed public adjuster or insurance attorney.
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helpful.app · Storm Damage & Insurance Tools
Damage estimates based on regional contractor pricing (2024–2025 Midwest / Northeast Ohio).
Policy analysis is AI-generated educational content. Not legal or insurance advice. For complex claims, consult a licensed public adjuster.