Dashboard
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Gap Analysis
Compare carrier vs your scope. Three-layer output + scorecard.
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Rebuttal Engine
Round 2/3 with contradiction detection + bad faith escalation.
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ESP + Storm Data
Live NOAA/NEXRAD data + code citations + manufacturer specs.
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Code Reports
IRC + state amendments. All 50 states available.
Quick Start
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Full Scope Comparison
Carrier + your scope → full dispute package
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Demand Letter
Standalone letter at any escalation stage
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ESP Generator
Storm data + codes + manufacturer specs
Carrier Intelligence
HFI DOCUMENTED
State Farm — Hail Focus Initiative
Court-documented program. Hursh v. State Farm CJ-2025-2626. Cite at Stage 2.
Allstate — Script Pattern
"We owe for what was previously present." Not a legal argument. Counter: RCV = pre-loss condition.
Travelers — Engineering Pattern
Reopened claims → engineering immediately. Mark Buchanan PE, EMC Nashville.
Nationwide — Engineer Report
Nederveld: metals confirmed, shingles denied. Demand disclosure within 9 days.
Dispute Categories
15 CATEGORIES
01
O&P
02
Waste Factor
03
Scope Suppression
04
Cosmetic Exclusion
05
Wear & Tear
06
Engineer Report
07
Paid Metals
08
Visual Only
09
Underlayment
10
Matching Rule
11
ACV Holdback
12
Depreciation
13
Appraisal Block
14
Code Upgrade
15
EPA RRP
New Analysis
Gap analysis · Three-layer output · Demand letter generation
Claim Information
Escalation Posture
Stage 2 — Firm: Carrier has rejected or not responded. Demands carrier identify specific basis for limiting required scope or revise authorization. Sets hard response deadline.
Your Scope / PA Estimate
Drop PDF here or click to upload
Xactimate scope, supplement, or field estimate
OR PASTE TEXT
Carrier Estimate
Drop PDF here or click to upload
Carrier Xactimate estimate or scope letter
OR PASTE TEXT
Demand Letters
Generate standalone letters at any escalation stage
Letter Details
Code Report
IRC citations + state amendment alerts for any state
Report Parameters
ESP Generator
Estimate Support Package — live storm data, codes, manufacturer specs, Xactimate methodology
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Live Storm Data Integration
Enter the property address and date of loss — ClaimsArsenal will search NOAA Storm Events Database, NWS local office records, and SkyHail verification data before generating the ESP. Real storm data, not template language.
Claim Details
History
Past analyses · This session only (full persistence requires backend)
No analyses yet this session
Run a comparison to see results here. Full cross-session history requires the database backend (Phase 1 developer build).
Rebuttal Engine
Feed the carrier's response back in — get Round 2 and Round 3 automatically
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The Position Trap Loop
Paste the carrier's response to your Round 1 supplement. The engine reads what they approved, what they denied, what they ignored — then detects every contradiction between their response and their own prior positions. You get a targeted Round 2 rebuttal that narrows their position and forces them into: Agree and pay · Deny and cite policy · Go silent (bad faith exposure)
Claim Context
Carrier's Response
PASTE OR UPLOAD
Your Round 1 Supplement
WHAT YOU SENT THEM
Carrier Mistake Detection — Check All That Apply