The DepreciationDecoded Kit — one payment, everything, $39.
You already know the holdback is real — the checker computed yours. The kit is the operating system for the rest: the letters that stop the clock, the proof packet that releases the money, and the worksheets that keep all three tracks on one calendar.
Component 1
The proof packet: the completion-evidence checklist (final invoice, photos tied to the scope of loss, completion certificate) plus the submission letter that asks for release in the insurer's own language.
Component 2
The intent-to-repair notice: the short written notice that protects the 180-day intent clock in the standard policy form — send it before anything else.
Component 3
The extension request letter: good-cause wording (permit delays, material and contractor shortages, the insurer's own delays, mortgage-company escrow delays) with the statutory hooks for floor states built in.
Component 4
The supplement request pack: how to document missed line items and code-required items, catch depreciation applied twice to the same line, and argue overhead and profit on multi-trade jobs — in the estimate's own line-item language.
Component 5
The appraisal demand letter plus the clock card: written demand, each side's appraiser within 20 days, the umpire in 15, any two decide — what appraisal can fix (the amount) and what it cannot (a coverage denial).
Component 6
The living-expense (ALE) tracker: the receipt log and the months-and-dollars burn-down, so the coverage ends on your schedule, not by surprise.
Component 7
The state regulator complaint pack: your insurance department's door, the one-page fact sheet, and the complaint wording that forces a written answer on a clock Your department's door is in the state table.
Component 8
The deadline calendar worksheet: notice date, completion date, living-expense end, suit deadline — your dates entered once, every clock on one page.
Component 9
The mortgage-company release steps: how a two-name check gets endorsed, escrowed, drawn down, and finally released, without the lender's delays eating your claim deadline.
Component 10
The state inserts: the labor-depreciation challenge and matching-law lines for your state, quoted from the dataset with their citations, ready to paste into any letter above.
| Option | Price | What it is | The gap this kit fills |
|---|---|---|---|
| This kit | $39, one payment | 10 components: letters, worksheets, calendar — you run the claim yourself | The full operating system for the holdback fight |
| Insuranceopedia's Claims Assistant | ~$99 per claim | Upload-based document review with depreciation-clock tracking and drafted demands | Theirs reads your file for you; the kit is for doing it yourself — and it computes the state-floor deadline in the browser |
| ClaimDispute | ~$47 | Single drafted dispute letter | One letter doesn't track five clocks; the kit's calendar does |
| Public adjuster | 10–20% of the settlement (TX capped at 10%; FL tiered) | A licensed professional who negotiates the whole claim | Right for big, complex losses; for a clean holdback, the kit is the leaner tool |
| Attorney | ~1/3 or more on contingency, or hourly | Representation — the only door that can sue | For coverage and bad-faith fights, hire; the file the kit builds is what they'll ask for |
| United Policyholders guides | Free | Excellent general claim guidance from a nonprofit | General; the kit adds per-state floors, labor and matching tables, and the letters |
Competitor prices and offerings as observed around October 2026; we don't copy their material, and their terms change. No one here negotiates for you, estimates your claim's value, or promises an outcome — that's the licensing line, and it stays on every page of the kit.
No. We are not adjusters, attorneys, or representatives. The kit is information, computation, letters, and checklists — you run the claim, with the paperwork done for you. Large losses, injuries, and bad-faith patterns belong with a licensed public adjuster or an attorney, and the guides say so.
The 51-row state table, the state-floor variants of the letters, and the department doors cover all 50 states plus DC. Where we couldn't verify a rule, the row says so in plain sight.
One document that holds everything: the checklists, the letter templates, the worksheets, and the calendar. No login, no subscription — one payment.
The kit covers the holdback fight. The denial fight — appeals, appraisal for amount disputes, the state complaint — is taught free on this site, and the kit's letters sequence with those pages.