Every claim we make on lowballed.ai is backed by a primary source. This page exists because we earn trust by showing our work.
The P&C insurance industry reported $977B in net premiums written and $1.14T in policyholders' surplus.
Primary SourceClaim dispute and underpayment patterns documented across multiple NAIC complaint indices and state market conduct examinations.
Primary SourceThe U.S. Court of Appeals for the 6th Circuit affirmed class certification of approximately 65,575 Kentucky policyholders in a case over labor depreciation in ACV calculations.
Primary SourceState Farm agreed to a settlement valued at over $38 million in a separate Alabama class action over labor depreciation in ACV calculations.
Primary Source"We do not warrant the accuracy of pricing information."
Primary SourceIn hurricane-related claims, Citizens Insurance policyholders represented by public adjusters received approximately 747% more than those without public adjusters.
Primary SourceEstablishes the 15/30/30 framework — 15 days to acknowledge, 30 days to investigate, 30 days to accept or deny — and requires written denial with specific policy provisions cited.
Primary SourceLowBalled.AI's internal calculator estimates are based on published recovery multipliers for common damage types. The $12K+ figure represents the median across hail, wind, water, fire, and mold claims in our submission data.
Primary SourceWhen a repair requires coordination of three or more trades, General Contractor Overhead and Profit is recognized as a recoverable line item by courts and the insurance industry.
Primary Source