After a loss, nobody hands you a system.
Your insurer has one. You get a folder of receipts and a phone full of photographs. ClaimLedger is the other side of that ledger — what you lost, what you've spent, and how much of your policy is still there to cover it.
Fire, water, wind, hail, theft or smoke. Free while you set your claim up. No card.
One place for the whole claim
Not a folder, a spreadsheet and three email threads. Your structure damage, your lost contents and everything you're spending to live elsewhere — three running accounts that add up to one number, with the depreciation your insurer is holding back shown separately.
| Coverage | Replacement cost | Depreciation | Actual cash value | Of limit |
|---|---|---|---|---|
| Structure & repairs | 186,400.00 | 31,200.00 | 155,200.00 | 37% |
| Contents & personal property | 44,906.00 | 12,480.00 | 32,426.00 | 18% |
| Additional living expense | 91,180.00 | — | 91,180.00 | 91% |
| Claim to date | 322,486.00 | 43,680.00 | 278,806.00 | — |
$43,680 of recoverable depreciation is still owed to you
Most policies pay actual cash value first and release the rest once the work is done and receipted. ClaimLedger keeps that figure in front of you so it doesn't quietly expire.
What it holds for you
Your policy, in plain figures
Upload the declarations page. Every coverage limit and deductible is read out and put in front of you to confirm — nothing moves until you say so.
Everything you've spent
Hotels, meals, laundry, storage, fuel. Each receipt posts against the coverage that pays for it, with a warning as you cross 75%, 90% and 100% of a limit.
Everything you lost
Work through your contents room by room at whatever pace you can manage, or import a list from a spreadsheet. Replacement cost and depreciated value tracked per item.
The carrier's own estimate
Load their repair estimate and decide each line yourself — keep it, downgrade it, do it yourself, or contest it — and watch what that frees up.
Most days, it's a camera
Photograph the receipt in the parking lot. The vendor, amount and date come off the picture, it posts to the right coverage, and your balance is updated before you've started the car. Same for a room of contents — photograph, name it, move on.
- Capture a receipt
- 2 seconds
- Read, categorize, post
- automatic
- Works with no signal
- syncs later
$91,180
of $100,000 limit
Then, when they ask for it
Export the whole claim as one document — coverage by coverage, receipt by receipt, item by item — in the order an adjuster reads it. Or give the people working your claim a link instead of an attachment.
Share it, don't email it
SOONGive your contractor, adjuster or attorney a read-only link to the claim as it stands. They always see the current figures. Revoke it whenever you want.
Export
One PDF of the whole claim, plus Excel and CSV of your expenses and contents.
- Claim summary
- Expense ledger
- XLSX
- Contents inventory
- CSV
Your dates
The ALE clock, the proof-of-loss window and your policy's own dates, worked out for you.
- Proof of loss due
- 18 Sep 2026
- ALE period ends
- 04 Feb 2027
- Policy renews
- 01 Mar 2027
Start with the policy you already have.
A declarations page is enough. Free while you set your claim up — pricing confirmed before anything is charged.