Fight a denied home insurance water damage claim

The poster used AI to research their policy and state laws, contested a partial denial of water damage coverage, and says they won.

Done with a custom-built or unnamed agent

What they did

After a fallen branch left a hole in the roof and more than $60,000 in water damage, the poster says they used AI to study their homeowners policy, research relevant state laws, and build a strategy to challenge the carrier’s decision. The insurer covered only $254 for the roof at first and denied the water damage three times before reversing; afterward, the poster turned that process into an app that reads policies, manages documents, builds timelines, and packages claim materials for contractors or legal teams.

How it went

The poster says the reversal saved them more than $60,000 in out-of-pocket costs. The source does not spell out the exact letters, prompts, or appeal steps they sent, so the mechanics are only described at a high level.

Worth knowing

The main catch is time: the poster says they spent a long time on the research and that packaging documents for others used to take hours.

Source: Reddit · May 31, 2026