Jennifer Taylor, a public adjuster in Macon, Georgia, says that homeowners are making a crucial mistake that could lead to big financial problems down the road.
“Most homeowners focus on paying off their home or building equity, but almost no one realizes that one missing coverage can wipe out years of financial progress. I’ve seen families lose tens of thousands of dollars — sometimes more — simply because they didn’t know a key part of their policy was outdated or missing,” she told Hypepotamus. “During a claim is not when you want to find out you weren’t actually protected.”
After seeing this problem play out in real life, Taylor founded the Claim Ready app. The risk analysis and home preparedness platform, as Taylor explains, exists to prevent big financial loss for homeowners.
Getting Claim Ready
The Claim Ready platform looks to translate complex policy language into plain English. And that just might help homeowners stave off thousands of dollars in uncovered loss.
“It’s designed to shift homeowners from reactive to proactive — giving them clarity, control, and confidence in a system that traditionally leaves them unprepared,” Taylor added.
Claim Ready’s platform currently includes three products, Its AI Policy Scan, which provides a one-time $29 scan of a homeowner’s policy, identifies missing coverages, outdated limits, exclusions, rebuild-cost issues, and major gaps. This gives people an “easy-to-understand summary of what their policy actually covers and where they may be exposed,” Taylor added.
The monthly Claim Ready subscription provides users with an Insurance Health Score (from 0-100) and check-ins on how major personal life changes can impact coverage, It also gives home documentation storage, tree risk assessment, and “ongoing risk alerts and renewal reminders so users stay protected as their home and life change.”
The platform’s third tier provides additional step-by-step claims guidance.
“It walks homeowners through what to document, what to avoid, how to communicate with adjusters, timelines, and when they may need to escalate a claim. If escalation is needed, the system provides the correct channels and the right order to follow so they know exactly where to go next,” Taylor added.
Building InsurTech
Bootstrapping the startup to date, Taylor said that one of the biggest things she’s learned about building her first tech company is that “AI is powerful, but it’s not magic.”
“It only becomes useful when you ask the right questions and give it the right structure. AI isn’t here to replace us — it’s here to help us make better decisions, especially in something as personal and complicated as homeowner insurance.”
Claim Ready is one of a few startups in the Southeast building in the insurance technology (InsurTech) space. Others to note include Atlanta-based companies Axle Labs, Accelerant, Trust Stamp, and Sola Insurance, Birmingham-based Insured Nomads, and Charlotte-based Precedent.