Editor
Todd edits Should I Claim It? He is responsible for what the calculators conclude and why: the verdict rules, the cost pages, the state-law breakdowns and the guides.
Todd is a partner at Horizon Two Labs, the Columbus, Ohio company that publishes this site. He studied aerospace engineering at Ohio State and has spent his career in technology scouting and market intelligence, at Singularity University, NiSource and Frigidaire among others. That work comes down to checking the data before anyone makes a decision on it, which is the job here too.
At Horizon Two Labs he works on how data and AI systems are designed and whether the people using them can trust what they see. On this site that means three rules: every number has a source you can check, every verdict shows its math, and the calculator says "pay cash" as plainly as it says "file a claim."
Todd is also chief operating officer of PolicyFlow, which builds payments and premium-reconciliation software for the insurance industry. PolicyFlow doesn't pay this site and has no say in what the calculators conclude. He has also served as an investment director at Fintech71, a Columbus fintech program.
Todd isn't a licensed insurance agent or a lawyer, and this site isn't your agent or your lawyer. Pages about coverage rules or state law cite the primary source. The licensed-reviewer line stays empty until a licensed property & casualty agent has actually reviewed a page.
We draft with help from AI tools. Todd checks every figure, citation and verdict rule against its source before a page goes live, and "Last reviewed" is the last time he checked it.
Corrections, statute updates, and dataset requests are welcome. Reach out via the contact channel on the site info page. If you're a licensed P&C agent interested in reviewing our content, see the reviewer role.