Upload your insurance policy or coverage summary. Madeplain highlights what's covered, what's excluded, and the limits that matter—so you know before you need to file a claim.
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What you'll get
8-section breakdown
Clear structure
Smart questions
Know what to ask
Email draft
Ready to send
The things NOT covered are often more important than what is covered—but harder to find.
You might have a $500 deductible... but is that per claim? Per year? Per incident type?
"Comprehensive coverage" has limits. "Full coverage" doesn't mean everything. Words mislead.
When does coverage actually start? Some conditions have waiting periods before they're covered.
There are deadlines and procedures to file. Miss them and you might lose coverage for that claim.
When can they drop you? When can you leave? These terms matter if your situation changes.
See what's NOT covered clearly—water damage, pre-existing conditions, specific circumstances.
Understand your out-of-pocket exposure—maximums, per-incident limits, and annual caps.
Know what you need to do to maintain coverage—reporting requirements, maintenance duties.
Get an email asking about gaps in coverage—before you find out the hard way.
Here's what a confusing clause looks like—and what it looks like after Madeplain: a clear summary, hidden risks, the right questions, and an email draft.
Example uses dummy data.
Homeowners Insurance Policy - Exclusions & Limits
Structured explanation, hidden risks highlighted, and clear next steps.
Broad exclusions, percentage-based deductibles, and strict claim deadlines make understanding your actual coverage challenging.
This is a homeowners insurance policy covering what's excluded from coverage, your deductibles, and claim filing requirements. Understanding exclusions is often more important than understanding coverage.
The wind/hail deductible is percentage-based, not fixed. On a $400,000 home, a 2% deductible means you pay the first $8,000 out of pocket—not $500. This catches many homeowners off guard after storms.
“For wind and hail claims, a two percent (2%) deductible based on dwelling coverage applies.”
Translation: Your wind/hail deductible isn't $500—it's 2% of your home's insured value. On a $400k home, you pay the first $8,000.
Standard liability coverage terms are typical. Personal property limits for jewelry are standard (though worth knowing). Medical payments coverage is usually straightforward.
Q1: What would separate flood insurance cost for this property?
Why it matters: Flood damage is common but excluded—know your options and costs before you need coverage.
Q2: Is any water damage covered, like a burst pipe inside the home?
Why it matters: Some internal water damage may be covered—clarify exactly where the line is drawn.
Q3: Can I reduce the wind/hail deductible to a flat amount?
Why it matters: Percentage deductibles can be surprisingly high—ask about flat-rate alternatives.
Q4: What exactly counts as 'earth movement' for the exclusion?
Why it matters: Foundation settling, erosion, or sinkholes might be excluded too—get clarity.
Try it with your own document — no account required.
Madeplain creates an email to your insurance agent asking about coverage gaps and exclusions—helping you understand your protection before you face an emergency.
Subject: Questions about my homeowners policy Hello, I'm reviewing my homeowners policy and have a few questions: 1. What would separate flood insurance cost for my property? 2. Is any water damage covered under this policy, such as a burst pipe inside the home? 3. Can the wind/hail deductible be changed from percentage-based to a flat dollar amount? 4. What specific situations are included under the "earth movement" exclusion? I'd appreciate clarification on these points. Best regards
Upload your insurance policy and get a clear breakdown, the questions to ask, and a follow-up email draft—no account required to start.