What's NOT Covered
In Your Policy?
That 40-page insurance policy has exclusions that could deny your claim when you need it most. Pre-existing conditions, coverage gaps, hidden deductibles, claim deadlines — TenderScan DE finds them all in 30 seconds.
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Health, auto, home, life, or any insurance document
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8 Insurance Policies Decoded
Every policy type. Every hidden exclusion. Every coverage gap.
Health Insurance
KEEP / SHOP / FLAG ISSUESMedical, dental, vision coverage. The most complex and critical policy you have.
What procedures, treatments, or conditions aren't covered?
Waiting periods, permanent exclusions, lookback periods
In-network vs out-of-network cost differences (can be 3-5x)
Which treatments need approval? What if it's denied?
Your true worst-case annual expense
Are your medications covered? At what tier?
Out-of-area emergencies, ambulance coverage
Is mental health covered equally to physical?
Auto Insurance
KEEP / SHOP / INCREASE LIMITSLiability, collision, comprehensive. Required in most states, but coverage varies wildly.
100/300/100 vs state minimums — are you underinsured?
What if the other driver has no insurance?
Higher deductible = lower premium, but can you afford it?
If your car is in the shop, are you covered?
If you owe more than car is worth, who pays?
Aftermarket parts, custom equipment coverage
Uber/Lyft driving — personal policy won't cover it
Windshield replacement — deductible or full coverage?
Homeowners Insurance
KEEP / SHOP / ADD COVERAGEProtects your biggest asset. But the exclusions can leave you devastated.
Actual cash value pays depreciated amount — huge difference
Standard policies DON'T cover flood — need separate policy
Not covered in standard policies in most states
Jewelry, electronics, art — often capped at low amounts
If someone is injured on your property
If you can't live in your home, how long are you covered?
Percentage deductibles for wind/hail can be massive
Working from home? Business equipment may not be covered
Renters Insurance
KEEP / SHOP / INCREASE LIMITSOften required by landlords. Cheap, but coverage gaps can be expensive.
Is it enough to replace everything you own?
Jewelry, electronics often capped at $1,000-2,500
If your dog bites someone or your bathtub overflows
Hotel costs if apartment is uninhabitable
Are roommates covered or do they need separate policy?
Sudden vs gradual — gradual usually excluded
Life Insurance
KEEP / SHOP / FLAG ISSUESProtects your family's financial future. But the fine print matters.
First 2 years — insurer can deny claims for misrepresentation
Usually excluded for first 2 years
Term vs whole life — when can premiums increase?
Can you convert term to permanent without health exam?
Primary, contingent, per stirpes — who gets paid?
What counts as 'accidental'? Many exclusions
For whole life — loans, withdrawals, surrender charges
What happens if you miss a payment?
Disability Insurance
KEEP / SHOP / FLAG ISSUESReplaces income if you can't work. Definition of 'disabled' is everything.
'Own occupation' = can't do YOUR job. 'Any' = can't do ANY job.
How long before benefits start? 30, 60, 90, 180 days?
2 years? 5 years? To age 65? Huge difference in protection
Usually 60-70% of income — is it enough?
Back problems, mental health often excluded
If you can work part-time, do you get partial benefits?
Do benefits increase with inflation?
Can they raise your premiums or cancel?
Business Insurance
KEEP / SHOP / ADD COVERAGEProtects your livelihood. But gaps can bankrupt your business.
Is $1M enough? Some contracts require $2M+
Errors and omissions — critical for service businesses
If you can't operate, how long are you covered?
Data breaches, ransomware — increasingly essential
Wrongful termination, discrimination claims
If your product injures someone
Report late = claim denied
Define 'intentional' — can be broader than expected
Umbrella Policy
KEEP / SHOP / INCREASE LIMITSExtra liability coverage above your auto/home. Cheap protection against lawsuits.
Must have minimum auto/home limits to qualify
When does umbrella kick in vs underlying policy?
Libel, slander, defamation — not always included
Business activities, some sports, watercraft
Are legal fees inside or outside the coverage limit?
Are you covered for incidents abroad?
Real Stories
Claims Denied. Lives Changed.
The $45K Surgery Denial
"A man needed back surgery. His health insurance had a pre-existing condition exclusion with a 24-month lookback. He'd seen a chiropractor once 18 months earlier. Claim denied. He owed $45,000."
The Flood That Wasn't Covered
"A homeowner's basement flooded after heavy rain. She assumed her homeowners insurance covered it. It didn't — flood damage requires separate flood insurance. Standard policies exclude it."
The Disability Trap
"A surgeon injured his hand and couldn't operate. His disability policy was 'any occupation' — not 'own occupation.' Since he could still teach or consult, benefits denied. He lost 70% of his income."
What TenderScan DE Finds
We read every page so you don't have to
Coverage Exclusions
What your policy specifically won't cover
Deductible Traps
Hidden deductibles, percentage-based costs
Claim Deadlines
Report within X days or claim denied
Pre-Existing Limits
Lookback periods, waiting periods
Coverage Caps
Maximum payouts that may not be enough
Fine Print Gotchas
Subrogation, coordination of benefits, etc.
See What You Get
Here's a real analysis of a health insurance policy. Every report includes a clear verdict, risk breakdown, and negotiation checklist.
BlueCross Premium Health Plan 2024.pdf
Verdict: CAUTION
This policy has significant coverage gaps that could leave you exposed to high out-of-pocket costs. Review the 4 critical issues before signing.
Key Findings
Deal breakers that require immediate attention
Potential problems to consider
Good terms in your favor
Specific changes to request
What's Good
Risk Assessment
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Claims Saved. Disasters Avoided.
"My health insurance policy had a pre-existing condition exclusion that would have denied my back surgery claim. TenderScan DE found it — I switched providers before I needed it."
Michael T.
Small Business Owner
"I had no idea my homeowners policy didn't cover flood damage until TenderScan DE flagged it. I added flood insurance a month before my basement flooded. Saved me $30K."
Jennifer L.
Homeowner, Houston
"TenderScan DE found that my disability policy was 'any occupation' not 'own occupation.' As a surgeon, that could have been catastrophic. I switched policies immediately."
Dr. Robert K.
Orthopedic Surgeon
AED 99 vs. AED 165,000 Denied Claim
Find out what's NOT covered before you file a claim. Know your policy's gaps before disaster strikes.
Free preview available. See what we find before you pay.