Plan Defense

Audit your policy terms line by line

Confirm you have the right documents, flag exclusions before they surprise you, and build a dispute-ready paper trail — all in one structured review.

audit checkpoints

document checklist items

clause categories reviewed

Policy Document Checklist

Do you actually have every document you need?

Check off what you've located. Your progress saves automatically on this device.

Checklist progress 0 / 4

Declarations pageNames the insured, policy period, and top-line limits.
Exclusions listFull text of what the policy will not cover.
Endorsements & ridersAny amendments layered onto the base policy.
Prior claims historyRecords of past claims tied to this policy.

Stack of insurance policy documents and a pen on a desk

Risk Indicators

Missing exclusions reviewHigh

Undated policy reviewModerate

Declarations on fileLow

Important Clause Highlights

Clauses that decide how a claim plays out

Duties After Loss

Requires prompt notice, protecting property from further damage, and cooperating with the investigation.

Appraisal & Dispute Clause

Sets the process for resolving disagreements over the value of a loss, often before any legal action.

Suit Limitation Period

Caps how long you have to file a legal action after a claim is denied or underpaid.

Exclusion Review

Common exclusion categories worth confirming

Exclusion wording varies by carrier and state, but these categories appear across most standard policies. Confirm the exact language in your own document.

Gradual wear, rot, or maintenance neglect Common

Flood or earth movement (often separate policy) Frequent gap

Business or home-office equipment Common

Intentional acts or criminal conduct Standard

Close-up of a person's hands reviewing a printed insurance contract with a pen

Dispute Preparation

If a claim gets denied or underpaid

STEP 01

Request the denial in writing

Ask for the specific policy language the carrier is relying on.

STEP 02

Compare against your policy

Match the cited clause against your actual declarations and endorsements.

STEP 03

Consider the appraisal clause

Many policies offer a built-in valuation dispute process before escalation.

STEP 04

Escalate if needed

Your state's insurance department can review unresolved disputes.

Interactive Audit

Run your policy through the defense audit

Answer honestly based on what you currently have on hand — the score reflects documentation readiness, not policy quality.

Policy type

I have my declarations page I have the full exclusions list I've identified all endorsements/riders I reviewed my policy within the last 12 months I understand my coverage limits and sub-limits

Complete the checklist to generate your Defense Readiness score.