Every finding in a Shielded report is traceable to one of three sources: your policy language, a state statute, or a published benchmark. Here is exactly how it works.
Shielded is an informational and educational tool. Nothing on this platform — including any report, analysis, benchmark, or guidance — constitutes legal advice, and no use of this platform creates an attorney–client relationship. For legal representation, consult a licensed attorney in your state.
Every single finding in a Shielded report is tied to one of these three sources. If we cannot cite a source, we do not make the finding.
The uploaded PDF of your commercial insurance policy. We read the exact text — coverage sections, exclusion clauses, conditions, definitions, endorsements, and declarations page.
State insurance statutes, unfair claims practices acts, bad faith law, and state insurance commissioner bulletins. All public record, cited with statute numbers.
NAIC (National Association of Insurance Commissioners) loss cost data, ISO published forms, and industry settlement benchmarks from publicly available databases.
When you present a Shielded report to your insurer, every finding is traceable to public record or your own policy text. An insurer cannot call a finding "false" if it is quoting their own policy language back to them. The citation is your defense against a bad-faith pushback.
Shielded reads your commercial insurance policy document — the declarations page, coverage forms, exclusions, and all endorsements. We extract the policy number, insurer, coverage limits, named perils, and exclusions.
You tell us what happened (fire, water damage, theft, equipment failure, etc.). We match that incident type to the relevant policy sections — covered perils, applicable exclusions, and any endorsements that change the coverage.
We extract the exact policy language covering your incident. We identify: (a) what is expressly covered, (b) what is excluded, (c) any conditions or duties after loss that apply, and (d) the applicable sublimit or deductible.
If you enter your insurer's settlement offer, we compare it against the coverage language. We flag specific sections where the offer may undervalue the loss — citing the exact policy clause that supports a higher amount.
We apply the relevant statute of limitations and bad faith law for your state. We note: how long you have to dispute the claim, what your state requires the insurer to do under its unfair claims practices act, and whether bad faith penalties apply.
Where applicable, we reference NAIC published loss benchmarks to show how your claim compares to documented settlement ranges for similar incidents. This contextualizes the gap between the offer and fair value.
The final report lists every finding with its source reference. The report is designed to be presented to your insurer, a public adjuster, or an attorney — not as legal advice, but as organized, cited documentation of what your policy says.
| What we cite | Source | Accuracy level |
|---|---|---|
| Policy coverage language | Your uploaded policy PDF | Verbatim — we quote the document exactly |
| State statutes | Official state code, last reviewed April 2026 | High — public law, cited with statute numbers |
| Claim deadlines / SOL | State insurance codes | High — verify current law with a licensed attorney |
| Settlement benchmarks | NAIC data, industry publications | Directional — ranges, not guarantees |
| Coverage gap estimates | Policy + benchmarks | Informational — not a legal valuation |
Because every Shielded finding cites either your own policy text, a state statute, or a published benchmark — an insurer cannot call it "false" without disputing their own policy language or public law. That is your strongest defense.
Shielded is not a party to your claim and cannot represent you, file on your behalf, or appear in any proceeding. The report is a knowledge tool — what you do with it is your decision, ideally in consultation with a licensed professional.
Shielded is not a law firm and does not provide legal advice. All content on this platform — including reports, analyses, guides, state law summaries, benchmarks, and any other output — is provided for informational and educational purposes only.
Nothing on this platform creates an attorney–client relationship. No communication through Shielded constitutes legal advice, and you should not rely on any content from Shielded as a substitute for advice from a licensed attorney in your jurisdiction.
Shielded is not a licensed public adjuster. If you need formal representation in an insurance claim dispute, you should retain a licensed public adjuster or insurance claim attorney in your state.
Results from using Shielded will vary based on your specific policy, the facts of your claim, your state's law, and your insurer's practices. Shielded does not guarantee any outcome.
Public adjuster licensing requirements vary by state. Shielded does not perform public adjusting services. We provide informational analysis of your policy language — the same type of information available from state insurance departments, NAIC publications, and legal self-help resources. You are using Shielded to better understand your own policy, not to have Shielded adjust your claim.
Shielded does not provide legal opinions, legal strategies, or legal representation of any kind. Our reports organize factual information from your policy and publicly available sources. This is knowledge sharing — the same information available in a library or from your state insurance commissioner's website — presented in a structured, searchable format specific to your policy.