Claim Outcome Survey

Insurers know how often people accept a low first offer. Claimants don't. Tell us what you were first offered and what you finally got, and we'll publish the totals as the Lowball Index so the next person knows whether pushing back is worth it.

Anonymous: no name, email, claim number or IP address is stored. We publish only totals for groups of at least 30 answers. Privacy policy

What kind of claim?

Whose insurer paid?

First offer ($)

Final amount paid, or latest offer ($)

Is the claim settled?

What did you do after the first offer? (tick all that apply) Sent a written counter-offer or demand letter Sent my own estimates or comparable listings Invoked the appraisal clause Complained to the state insurance department Hired a lawyer or public adjuster Went to small claims or other court

Leave all blank if you accepted without pushing back.

Insurance company (optional)

State (optional)

Why we ask

Most advice about insurance offers says "always negotiate" without numbers behind it. Adjusters see thousands of claims; you see one. Pooling first offers and final amounts shows how far offers usually move, and whether a written counter-offer, an appraisal or a complaint to the state made a difference.

Still negotiating? Your latest offer counts too: pick "Still open" and we keep it out of the settled totals.