Should I Claim It?

When a client decides not to file, put it on paper

E&O guidance tells agents the same three things when a client decides not to report or file a claim: explain the risks, document the file, and get a signed acknowledgment. The Claim Decision Record does all three in one printed page, from a calculator that has no stake in the answer.

Written by Todd Whittington, Editor·Last reviewed

What the record is

A timestamped, printable page with the client's answers, the verdict and its full math, the risks you disclosed (rate impact, non-renewal, the claim on their CLUE report, and any duty to report the loss even without a claim), and two signature lines. It works for windshield, roof, water and diminished value decisions today.

The calculator behind it is neutral by design. It tells people to pay cash as readily as it tells them to file, and where it earns a referral fee, the fee is the same whatever the answer. How we make money.

See a sample record (a demo agency, made-up answers).

Who it's for

Independent agencies whose clients call before filing a small claim: a cracked windshield, a few missing shingles, a leak under the sink, a fender bender where the other driver was at fault. These are the calls where "don't file" is often the right answer and the hardest one to document.

How it works

  1. Run the calculator with the client. On the phone or in the office, using the client's own answers. No contact details are collected.
  2. Save the decision record. One tap on the answer opens the record with your agency's name and logo, the inputs, the math and the risks.
  3. Sign and file it. Type the client's name, print or save as PDF, get the signature, and attach it to the client file.

$49 a month per agency

First 90 days free

Founding agencies set the roadmap: which lines come next, and how the record attaches to your agency management system.

Tell us you're interested

By sending this, you agree that we may store your agency name, state, email and number of producers and email you about the Claim Decision Record. We won't share them or add you to any other list. Ask us to delete them at any time. Privacy.