Who writes this
CallitIQ is written and maintained by Charlie Brennan. I am not an attorney, a licensed insurance agent, a public adjuster, or a contractor, and nothing here is professional advice. What I do is read the primary sources carefully, work out the arithmetic that decides the question, and publish both alongside each other so you can check my working rather than take my word for it.
That non-credential is worth stating plainly rather than hiding, because it tells you exactly how to use the site. Where a question turns on a rule — what a CLUE report retains, how a percentage deductible is computed, which states apply one — I cite the regulator and you can verify it in one click. Where a question turns on professional judgment about your specific policy or your specific loss, the page says so and tells you to ask someone licensed. I try never to blur that line.
How the numbers are checked
Every figure a calculator uses is traceable. In practice that means four rules I hold myself to:
Primary sources first. State insurance departments, the CFPB, federal agencies and published industry bodies, linked directly on the page rather than summarised from a secondary article. The depreciation model in the payout calculator is calibrated against the Texas Department of Insurance's own published consumer example, not against a number I invented.
Say when a source is weaker. The premium-surcharge percentages come from an industry publication that does not disclose its methodology. That is stated on the page, and the field is editable so you can override it with whatever your own carrier tells you. A cited-but-imperfect number labelled as such is more useful than a confident one that is wrong.
Show the arithmetic. Every tool has a "show the math" panel. If you cannot reproduce the result by hand from the inputs, the tool has failed at its job.
Say what the number cannot capture. The claim calculators are explicit that they cannot price non-renewal risk, and that a liability claim involving injury to another person should be reported regardless of what any cost-benefit calculation says. A tool that only tells you the flattering half of the answer is worse than no tool.
What this site deliberately is not
CallitIQ does not sell anything, does not collect the financial figures entered into its calculators or sell them as leads. There is no lead form, no quote comparison, no affiliate arrangement with an insurer, adjuster or contractor, and no "speak to a specialist" button. The calculators run entirely in your browser — the numbers you type are never transmitted, because there is no server to transmit them to.
The site is intended to be supported by display advertising. It has no insurer, adjuster or contractor referral arrangement. Advertising does not establish expertise or make the estimates authoritative; use the cited sources and policy documents to check the result.
Corrections
If something here is wrong, I want to know and I will fix it. Statutes change, regulators update guidance, and a figure that was right in September may not be right next year. Every tool page carries a "last reviewed" date so you can see how stale it might be. If you find an error — especially one where a citation no longer supports the claim it is attached to — get in touch and it will be corrected rather than quietly left alone.
What happened to the prediction market feed
CallitIQ began as an automated feed matching public trend signals to live Kalshi and Polymarket odds. That feed was retired on 7 September 2026 and its pages have been removed, not hidden. It generated a page for whatever was trending, which meant it could and did produce pages about individual people's court cases — content that has no business sitting next to a tool for deciding whether to file an insurance claim. A filter for the worst examples would only have delayed the next one, so the generator was switched off instead. The site is now the four insurance and benefit decision tools and nothing else.