Meet ClaimLedger — Property-claim deadline & holdback tracker

Finance

ClaimLedger

Property-claim deadline & holdback tracker

What ClaimLedger does

The insurance company is running a clock you can't see — ClaimLedger shows it to you. When your home is hit by a storm, fire, or burst pipe, the hardest part isn't the damage. It's the months that follow: the adjuster who stops calling, the recoverable depreciation that quietly expires, the appraisal demand you didn't know had a one-year deadline, and the lawsuit clock ticking the whole time. ClaimLedger is the offline diary and deadline engine that keeps your property-insurance claim from slipping through the cracks.

Start by entering your date of loss and your policy's key terms. ClaimLedger instantly builds your personal claim timeline: the recoverable-depreciation window (often just 180 days to two years from loss), the proof-of-repair holdback you reclaim by uploading receipts, the binding-appraisal demand deadline now mandated under Texas SB 458, and your statute-of-limitations suit clock. Each milestone shows days remaining and turns red as it approaches, so you act before a deadline — not after.

Every time the adjuster calls, log it. ClaimLedger keeps a timestamped adjuster log of who said what, what they promised, and what they paid, building the paper trail you'll wish you had if the claim goes sideways. Snap photos of damage and receipts, tag them to line items, and watch your ACV payment, depreciation holdback, and final RCV reconcile in one running ledger. When a repair is done, mark it complete, attach the invoice, and ClaimLedger reminds you to demand the held-back depreciation before the window closes.

ClaimLedger is built for the homeowner mid-claim, not the agent selling you a policy. It is not a pre-loss home inventory and it is not a medical-bill tracker — it is the missing tool for the messy months between the loss and the final check. Everything lives on your device. There is no account to create, no data sent to a server, and no monthly fee. Your claim is private, and it stays that way.

Whether you're fighting a roof claim in Texas, a hurricane loss on the Gulf, or a kitchen flood anywhere, ClaimLedger turns a stressful, deadline-riddled process into a calm checklist you control. You don't need to be a lawyer or hire a public adjuster to keep your insurer honest — you need to know what's owed, what's due, and when. ClaimLedger keeps all three in front of you, every day, until the final check clears and your home is whole again.

• Date-of-loss deadline engine: depreciation, appraisal, holdback, and suit clocks computed automatically • Recoverable-depreciation tracker with proof-of-repair receipt holdback reconciliation • Timestamped adjuster log — every call, promise, and payment on record • Photo & document vault tied to claim line items, all on-device • Running ACV / depreciation / RCV money ledger • Red-flag countdowns so no deadline catches you off guard • 100% offline, no account, no subscription — your claim stays private

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

• Deadline Engine — Enter date of loss and policy terms; the app computes and counts down recoverable-depreciation, binding-appraisal, holdback, and suit-limitation deadlines with red-flag urgency states.
• Adjuster Log — Timestamped record of every adjuster call, email, promise, and payment, building a defensible paper trail for the claim.
• Depreciation Reconciler — Tracks ACV paid vs. depreciation withheld vs. RCV owed; attach repair receipts to trigger the holdback-recovery demand before the window closes.
• Evidence Vault — On-device photo and document storage tied to claim line items, encrypted and never uploaded to any server.

Why we built it

Property claims have invisible, state-varying deadlines (recoverable-depreciation windows, binding-appraisal demands, suit limitations) and held-back payments that quietly expire, costing homeowners thousands when they miss them.

What makes it different

Unlike pre-loss home-inventory apps (including our own Claimwise) and medical-bill trackers (our EOB Keeper), ClaimLedger owns the opposite end of the lifecycle: the active post-loss claim. It is a deadline engine plus adjuster diary, not a list of stuff you own. Versus incumbents like Encircle and ClaimDeck (carrier/…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: Property-claim deadline & holdback tracker

Try it

See the Property-claim deadline & holdback tracker for the full feature list, the info table, and support links.

Use ClaimLedger, found a bug, or have a feature request? Comments are open below — anonymous is fine.