ClaimReady
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Complete Scoring Guide

Everything you need to know about how Claim Ready calculates your Preparedness and Claim Management scores.

What Are Scores?

Claim Ready uses two different scoring systems to help you understand your insurance readiness:

Preparedness Score
Measures how ready you are before something happens. This includes policy analysis, inventory documentation, safety measures, and emergency planning.
Claim Management Score
Measures how well you're managing an active claim. This includes damage documentation, carrier communications, estimates, and claim-specific actions.
Preparedness Score (0-100)
Your Preparedness Score is active when you don't have an active claim. Here's how to reach 100:

Policy Coverage Analysis

Up to 20 points

Upload and analyze your insurance policy to identify coverage gaps.

  • 5 pts: Policy analyzed (upload and scan your policy)
  • 5 pts: No high-risk gaps remaining
  • 5 pts: No medium-risk gaps remaining
  • 5 pts: All critical gaps handled (resolved or snoozed)

Inventory Documentation

Up to 20 points

Document your belongings with photos, receipts, and values.

  • 5 pts: Started inventory (1+ items)
  • 5 pts: Basic inventory (5+ items)
  • 5 pts: Good inventory (20+ items)
  • 5 pts: Comprehensive inventory (50+ items)

Property Mitigation

Up to 15 points

Implement safety measures to protect your property.

  • 5 pts: Working smoke & CO alarms
  • 5 pts: Surge protectors for electronics
  • 5 pts: Regular tree maintenance

Readiness & Planning

Up to 15 points

Prepare for emergencies with plans and documentation.

  • 5 pts: Emergency contacts sheet prepared
  • 5 pts: Pre-loss photos (any inventory items with photos)
  • 5 pts: Temporary housing plan documented

Security & Data Protection

Up to 10 points

Protect your account and important documents.

  • 5 pts: 2-Factor authentication enabled
  • 5 pts: Document backup system in place

Claim Life Subscription

20 points

Subscribers get 20 points for having access to comprehensive claim management tools, AI support, and expert resources.

Claim Management Score (0-100)
Your Claim Management Score is active when you have an active claim. Here's how to reach 100:

Damage Documentation

25 points

Thoroughly document all damage to your property.

  • 10 pts: Uploaded damage photos or videos
  • 7 pts: Started room-by-room damage documentation
  • 8 pts: Uploaded moisture logs (if applicable)

Carrier Communications

15 points

Track all communications with your insurance carrier.

  • 8 pts: Claim number documented
  • 7 pts: Incident date recorded

Scope & Estimates

15 points

Document damage scope and gather repair estimates.

  • 7 pts: Total claimed value entered
  • 4 pts: Code-required upgrade items identified
  • 4 pts: Contractor bid or second opinion uploaded

Code/Compliance Evidence

10 points

Gather evidence of building code requirements.

  • 6 pts: Uploaded code-related evidence
  • 4 pts: Uploaded professional inspection or support document

Negotiation Readiness

15 points

Prepare for potential negotiations with your insurer.

  • 7 pts: Comparable repair costs documented
  • 4 pts: Uploaded prior maintenance or repair records
  • 4 pts: Claim chronology or notes started

Financial Tracking

10 points

Track all claim-related expenses carefully.

  • 4 pts: Additional Living Expenses (ALE) receipts entered
  • 6 pts: Depreciation holdback tracking started

Peril-Specific Actions

10 points

Complete peril-specific mitigation steps in the Resources & Coach tab of your claim.

  • 1 pt per step: Complete peril-specific guidance steps (max 10 points)

Note: Find these steps in your claim details → Resources & Coach tab. They're different from the main Claim Checklist.

Bonus Points (Apply to Both Scores)

Claim Life Subscription

Active Claim Life plan

+3 pts

Security Enabled

2FA and data backup active

+1 pt