Learn how claims actually work.
These are clear explainers, written without jargon or a sales pitch, on the parts of an insurance claim that decide whether you get paid fairly. They are meant to be useful whether or not you ever use Koala.
- 2 articles
- 15 min of reading
- Free · no account
Understanding your homeowner's policy exclusions
The exclusions section decides what your policy won't pay for, and it's where a lot of valid-feeling claims quietly fall apart. Here's how to read it before you ever file.
Read the articleWhat to do when your claim is denied
A denial letter is written to sound final. It usually isn't. Here's how to read it, what you're entitled to, and the steps that put a denied claim back in play.
Read the articleHave a question about any of this?
Ask the advisor. It's an AI that teaches you how insurance actually works in plain English: what a coverage does, what a word on your policy means, and what happens next. Nobody is trying to sell you a policy at the end of it.
Every account gets 10 questions a month, free. They come back on the 1st.
- What does an umbrella policy actually cover?
- How does a deductible work on a homeowners claim?
- What is an adjuster allowed to ask me for?
Knowledge is good. Backup is better.
When you're ready, Koala reads your documents, finds what you're owed, and drafts the demand, all for a flat fee, never a percentage.