Insurance claim worksheet
ClaimMath estimates claim payout, deductible drag, and possible premium impact so small insurance claims are easier to compare.
Claim worksheet
Insurance
Compare repair estimate, deductible, annual premium, and possible premium impact before filing a small claim.
Notes
Use the best written quote you have and rerun the numbers when a contractor or adjuster changes it.
The calculator lets you model a possible increase, but your insurer and claim history decide the real outcome.
A claim that barely clears the deductible can look worse after possible premium changes are included.
Claim checks
If the repair estimate is close to the deductible, cash payment may be worth comparing.
Model one to several years of possible increases before judging the claim value.
Keep photos, invoices, and written estimates organized before speaking with the insurer.
Calculator guide
ClaimMath helps you estimate whether a claim may be worth filing after the deductible and a possible premium increase are included. It is built for small property, auto, or home repairs where the payout may be close to the deductible.
The calculator cannot predict an insurer's final decision or future rate change. It gives you a clean worksheet for comparing repair cost, deductible, possible payout, and a premium-risk scenario before you call or submit paperwork.
FAQ
A claim may be less attractive when the repair estimate is only slightly above the deductible, especially if a future premium increase could erase the payout.
No. It lets you model a possible increase, but your insurer, policy, location, claim history, and loss type determine the real premium impact.
Start with a written repair estimate, your deductible, your current annual premium, and a conservative guess for how many years a rate increase might affect you.