LineitemlyInsurance payout too low?
See what's missing in two minutes.
Lineitemly reads your adjuster's estimate line by line and shows what was left out, what looks underpriced and what you are owed but have not claimed. Then it writes the letter. One flat price, never a percentage of your claim.
Getting help used to cost 10–20% of your claim
Public adjusters usually take 10% or more of the payout, and many only take claims above about $40,000. Everyone else is on their own with a 30-page estimate written in code. People are asking for help everywhere:
How it works
Add your estimate
Upload the PDF your insurer sent, or paste the text. Add your policy, your contractor's bid and photos if you have them.
See every gap
Over 30 checks for missing items, short quantities, low prices, overhead & profit, depreciation and matching, each with what to ask for and why.
Send the letter, track the money
Ready-to-send letters, your state's deadlines, payments received, depreciation to recover, living expenses and your contents inventory, all in one place.
Everything your claim needs
Estimate audit
Roof, interior water, siding and multi-trade checks, with building-code and manufacturer reasons you can cite.
Bid comparison
Puts your contractor’s bid next to the insurer’s estimate and flags every item and price that differs.
Policy decoder
Reads your policy and lists coverages, deductibles, settlement terms, exclusions and deadlines in plain English.
Deadline tracker
Your state’s claim-handling deadlines and your policy’s, with email reminders before anything is due.
Letters
Nine letters for the moments that matter: revised estimate, claim file, status, depreciation release, appraisal and more.
Contents inventory
AI turns room photos into an itemized list with replacement prices; room-by-room prompts catch forgotten items.
Money tracker
What was estimated, paid, held back and still owed, plus additional living expenses with receipts.
Claim diary
Log every call, email and inspection with dates and names. It becomes your record if there is a dispute.
Claim packet
One printable file with your findings, timeline, payments and inventory, ready for a re-inspection or appraisal.
What help costs
| Lineitemly | Public adjuster | Attorney | On your own | |
|---|---|---|---|---|
| Cost on a $20,000 claim | $149 flat | $2,000–$4,000 (10–20%) | Often 25–40% contingency | Your evenings |
| Takes small and mid-size claims | Yes | Often not below ~$40k | Rarely | Yes |
| Line-by-line estimate audit | Yes, in minutes | Yes | Sometimes | If you know Xactimate |
| Negotiates for you | No, you send the letters | Yes | Yes | No |
Pricing
Free scan
See how many problems your estimate has.
- Upload or paste your insurer estimate
- Count of missing items and their estimated value
- Your state’s claim deadlines
- Two findings shown in full
Claim Kit
Everything to challenge one claim, for one flat price.
- Every finding with what to ask for and why
- AI reading of your estimate, policy and contractor bid
- Policy decoder: coverages, deductibles and deadlines in plain English
- Deadline tracker with email reminders
- 9 ready-to-send letters
- Contents inventory up to 300 items, with AI from up to 100 photos
- Living-expense and payment tracker
- Claim diary and printable claim packet
- 12 months of access
Major Loss Kit
For fires, floods and total losses with thousands of belongings.
- Everything in Claim Kit
- Unlimited contents inventory
- AI itemization from up to 1,500 photos
- Unlimited AI document reading
- Priority email help
- 24 months of access
Pro
For roofers, restoration contractors and claim consultants documenting their own scope.
- Up to 25 active claims a month at the Claim Kit level
- Your company name on reports
- Bid-versus-estimate comparison on every job
- Email support
Money-back promise: if your Claim Kit audit finds nothing worth asking your insurer about, email us within 30 days for a full refund.
Questions
Do you contact my insurance company?
No. Lineitemly is software you use yourself, like tax software. It shows you what to ask for and drafts the letters; you decide what to send. We never negotiate for you, and we never take a percentage of your claim.
Is this a public adjuster?
No. A licensed public adjuster negotiates your claim for you and usually charges 10–20% of the payout. That can be worth it for very large or complicated claims. For most claims, knowing exactly what is missing and asking for it clearly is enough to get a revised estimate.
What estimates does it read?
Xactimate and Symbility estimates from any insurer, as a PDF or pasted text, plus contractor bids. It also reads your policy or declarations page and photos of your rooms and damage.
Which states?
All 50 states and DC. Texas, Florida, California and Colorado have detailed deadline rules built in; other states get the general rules and your policy deadlines.
Will asking for more upset my adjuster?
Asking politely, in writing, item by item, with reasons, is normal and expected. Adjusters revise estimates every day when homeowners or contractors point out missing items.
What if the audit finds nothing?
Then your estimate is in good shape, which is worth knowing. If you bought a Claim Kit and the audit finds nothing worth asking about, we refund you.
Is my information private?
Your documents are stored encrypted in transit and at rest, used only to run your claim, never sold, and deleted when you delete your claim.
Check your estimate before you accept it
Free, no account needed. Takes about two minutes.
Scan my estimate