Free Texas insurance claim tools
Calculators and checklists built on the Texas Insurance Code, the Finance Code and current OCCC rates. Every tool cites its authority and nothing you type leaves your device.
Statutory interest calculator
§542.060 interest on late payments, partial payments and supplements, at 18% or the floating rate.
Open toolClaim deadline calculator
Every Chapter 542 deadline from your notice date, with business days and Texas holidays.
Open toolAppraisal interest calculator
Hinojos-style interest on the gap between what was paid and the appraisal award.
Open toolDoes my claim qualify?
A two-minute check of whether your claim timeline is worth a closer look.
Open toolJudgment interest rate tracker
Every OCCC §304.003 rate since 2005 and the matching §542.060(c) rate (12.00% now).
Open toolPrejudgment interest calculator
Texas Finance Code ch. 304 accrual dates and interest for property damage claims.
Open tool542A notice & fee calculator
61-day pre-suit notice dates, the insurer’s inspection window and the attorney-fee ratio.
Open toolClaim timeline builder
Log every claim event, see which deadlines passed and print a status-request letter.
Open toolPublic adjuster fee calculator
What a Texas public adjuster can charge (10% cap) and what you net.
Open toolACV & depreciation calculator
Replacement cost, actual cash value and recoverable depreciation, line by line.
Open toolWind & hail deductible calculator
Percentage deductibles in dollars, and what a storm claim actually pays.
Open toolWhich tool should I start with?
- Not sure anything is owed? Start with Does my claim qualify?
- Know your dates but not your deadlines? Use the claim deadline calculator.
- Know the deadline and the payments? Go straight to the statutory interest calculator.
- Went through appraisal? Use the appraisal interest calculator.
- Claim still open? Keep a log in the claim timeline builder.
The tools give estimates from the information you enter. They are not legal advice. For a review of your actual claim file, send it to Enforce Interest.
Think your claim was paid late? Let’s run the timeline.
Send us your claim file for a free review. We rebuild the dates, calculate the statutory interest and tell you plainly whether there is anything to recover. No upfront cost. Texas claims only.