How this is calculated

Hidden Exclusion Check

Maps each activity you select to the typical standard-policy treatment (excluded, conditionally covered, or endorsement territory) and ranks the list by typical claim-denial severity.

Step by step

Each activity carries a fixed educational note and a severity rank (high/medium) reflecting typical exclusion breadth and claim size.
A dog with a reported bite history is ranked high because some carriers exclude or non-renew for it.
Nothing is quantified — the output is a ranked checklist for an agent conversation.

Important disclosures

This tool is educational only. It illustrates potential exposure using the assumptions shown — it is not insurance advice, a price, or an offer of coverage, and it does not determine whether any coverage amount is right for you. Policy language varies; review your actual policy and discuss your situation with a licensed insurance professional.
Exclusion and endorsement treatment varies significantly by carrier, state, and policy form — the patterns described are typical, not a reading of your policy.
Severity ranking reflects how commonly a denial occurs and how costly it typically is, for discussion ordering only.

Now that you can see the method, the numbers are worth a conversation.

Back to Hidden Exclusion Check