AI Policy Summary Tool
Your declarations page contains everything you need to know about your roof coverage — but it is written in insurance shorthand. Upload it here and get a plain-English summary focused on the details that matter most for your roof.
Important: This tool provides educational analysis only. It does not constitute legal or insurance advice. The AI summarizes the text of your policy documents to explain coverage terms in plain language. It cannot guarantee accuracy or identify every relevant provision. Always verify coverage details with your insurance agent or carrier.
Upload Your Policy Document
Upload your declarations page, policy document, or renewal notice. Accepted formats: PDF, JPG, PNG, or plain text. Your documents are processed securely and are not stored after analysis.
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Or Paste Your Policy Text
Copy and paste text from your declarations page or policy document directly into this field.
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These guides walk through the same analysis step by step:
What This Tool Summarizes
Your policy contains critical information about your roof coverage, but it is buried in dense legal language. This tool focuses on the details that matter most when a storm hits or when you are making decisions about your roof.
Coverage Type
The tool identifies whether your roof is covered at replacement cost value or actual cash value. This single distinction can mean a difference of $10,000 or more on a claim. Many homeowners do not know their coverage type until after they file.
Deductible Structure
Gulf Coast policies often have multiple deductibles: a standard deductible for non-hurricane claims and a separate hurricane or named-storm deductible that is usually percentage-based. This tool identifies both and calculates the dollar impact of your percentage deductible based on your dwelling coverage.
Exclusions and Endorsements
Cosmetic damage exclusions, wind exclusions, age-related limitations, and endorsements that modify your base coverage all affect what happens when you file a claim. This tool flags each one in plain language so you understand what is and is not covered before you need to find out the hard way.
Coverage Limits
Your dwelling coverage limit, personal property limits, and additional living expense coverage all interact with a roof claim. This tool highlights these limits and explains how they apply to your roof specifically.
Your Privacy
Policy documents you upload or paste are processed for analysis and are not permanently stored. We do not share your documents with third parties. The AI summary is generated in real time and not retained after you leave this page.
Educational Tool Disclaimer
This AI tool provides educational summaries to help you understand your insurance policy documents. It is not a substitute for professional insurance advice or legal counsel. AI analysis may contain errors or miss important provisions. Always verify coverage details with your insurance agent or carrier before making decisions.