Transparency

How We Score Your Claim.

When you submit your claim to LowBalled.AI, we generate a readiness score (0–100) that determines how urgently we engage and what kind of response you get. This page shows you the exact algorithm. No black box. No magic.

The four tiers

🔥🔥🔥 INFERNO90–100Highest urgency. Real-time push alert to our team within 60 seconds. Recovery Playbook prioritized for 24h delivery. These claims usually involve a major insurer's documented underpayment pattern + a damage type with strong appeal grounds + complete contact info that lets us engage immediately.

🔥🔥 HOT70–89High priority. Same-day alert with full carrier intel + IICRC standards + case law citations attached. Recovery Playbook in 48h.

🌡️ WARM40–69Engaged. Alert in the daily brief. Recovery Playbook in 48–72h. May be a partial submission missing one or two strong signals.

📥 Nurture0–39In the drip. We don't generate alerts but we do enroll you in the educational drip sequence so you have the information you need when you're ready.

The signals that drive the score

+15 points

Carrier with documented underpayment pattern

Carriers with NAIC complaint indices above 1.5x (Liberty Mutual, Allstate, Progressive) score higher because the appeal odds are statistically better. We pull these indices live from the NAIC Consumer Information Source.

+15 points

Damage type with strong recovery precedent

Fire, smoke, mold, and water claims have more documented underpayment patterns and clearer IICRC scope standards (S500/S520/S700) to argue from. We assign higher base scores to damages with stronger industry-standard backing.

+15 points

Carrier offer present

A specific dollar amount tells us exactly what gap we're fighting. Without an offer, we can't calculate the underpayment delta — so claims with offers score higher than those without.

+15 points

Contact channels (email + phone)

Phone + email means we can reach you fast. Email-only adds 10 points; phone-only adds 12; both together adds 15.

+10 points

ZIP / location given

Lets us cross-reference state-specific statutes (UCSPA, appraisal-clause provisions, statute of limitations) and weather data (NOAA storm timing for hail/wind claims).

+10 points

Description / narrative

A few sentences in your own words. Helps us identify specific gotchas (matching disputes, code upgrades, depreciation tactics) that may apply.

+10 points

Policy + claim numbers

Optional. When provided, accelerates intake — we can pre-load the policy form into the playbook research.

What we DON'T score on

Your name or age. Doesn't affect priority.
How polite your submission is. If you're mad at your carrier and your form reads like it, we still engage on the merits.
Whether you came from paid or organic search. Source attribution is tracked but never used to lower your score.
Your assumed ability to pay. Our model is contingency-based. Higher recoveries help us both.

Why we're showing you this: insurance is full of black-box scoring (your credit-based insurance score, your CLUE report, your Xactimate-generated estimate). We refuse to do the same to you. Every signal is something you can verify. Every threshold is a deliberate engineering choice. If you ever want us to explain why your specific submission scored a specific number, ask — we'll walk through it.

How often does the algorithm change?

We tune weights when we see consistent calibration drift — e.g., if a tier is over- or under-firing relative to actual recovery outcomes. Each tuning is logged and announced in our daily brief. The model is version-controlled; we can replay your score against the version active when you submitted.

Ready to be scored?

The submission form takes about 60 seconds. Free. Delivered in 48 hours.

Start My Recovery Playbook →