The truth belongs to everyone.
Upload your homeowners policy. In about a minute, know exactly what you're covered for, what you're not, and what's worth asking about.
- Free forever. No trial, no upsell.
- We never sell your data — not to insurers, not to brokers.
- Your document is encrypted, and one click deletes it and your account.
How we plan to make money: a paid directory for independent agents. Never by selling what's in your policy.
Roof Surfacing Settlement: losses to roof surfacing shall be settled at Actual Cash Value at the time of loss…
The real meaning is — a 14-year-old roof pays out as old, not what a new one costs.
Windstorm or Hail Deductible: an amount equal to 2% of the Coverage A limit of liability applies per occurrence…
No surprises here — 2% sounds small until it's $8,400 out of your pocket.
Exclusions: we do not cover loss caused by water which backs up through sewers or drains or overflows from a sump…
Your best choice possible — this one's missing entirely. Worth one question to your agent.
Three steps. No jargon.
From PDF to plain English in about a minute.
Upload your policy
Drag in the PDF your insurer sent you. Anything from State Farm, Allstate, USAA — Hoot reads them all.
Hoot reads the fine print
We pull out your premium, deductibles, roof settlement type, and every clause worth knowing about.
AskHoot anything
We teach you what your policy really means, so you can ask smarter questions and feel confident at renewal time — or in the agent's office.
The parts everyone skims, in plain English.
Roof settlement type
ACV vs. replacement cost — the single line item that decides whether you get a new roof or a check for a used one.
Deductible sanity check
Wind, hail, hurricane, and standard deductibles vary wildly. We'll tell you if yours are quietly stacked against you.
Coverage gaps
Water backup, ordinance-and-law, personal property limits — the exclusions that catch people at claim time.
Ask Hoot anything
Chat about your own policy, grounded in your own numbers, any time. Never a recommendation — askhoot explains, your agent advises.
A watchdog, not a wolf in sheep's clothing.
Free forever
Not a trial. Not a freemium. Just free.
We never sell your data
Not to insurers, not to brokers, not to anyone.
Your data, your right
Download it, delete it, take it with you. Any time.
Not owned by an insurer
We work for you. The insurance industry does not fund us.
A client who knows what to ask is easier to serve.
askhoot never gives advice and never recommends a policy. It hands your client a short list of questions about their own coverage — so the conversation starts where it should, and you're the person who answers it.
Fair questions, plain answers.
Know what's in your policy before you need it.
About a minute to upload. Free forever. Your document stays yours.
