"Insurance denies. We expose. You win"

"Got denied or lowballed on a claim? Good. You just found your people."

Was Your Claim Handled Fairly?
Help Others by Reporting a Denied or Lowballed Claim

Jack D. Hapsburg

Insider for 30 Years. Now Fighting for You.

Join the grass roots movement. Together, shine the light on insurance's dirty tricks!

⭐️ RIPOFF DETECTOR

Are you sure your Agent or Adjustor was being straight with you?

Jack D. Hapsburg 30 year insider and now your insurance watchdog

How It Works
⭐

Before You Use the Rip-Off Detector…

This free tool is for educational purposes only.

Insurance laws vary by state, and every policy is different.
We cannot guarantee 100% accuracy in all cases.

By continuing, you agree that:

  • Inssux and Jack D. Hapsburg are not acting as your agent or attorney

  • You alone are responsible for decisions you make using this tool

  • This tool is not legal or financial advice

  • You will not hold us liable for outcomes or interpretations

This tool simply helps you understand
what your agent or adjuster didn’t highlight.

👉 I Understand — Show Me the Rip-Offs

⭐ How Insurance Companies Really Decide Claims

Adjusters aren’t villains — but they work inside systems designed to control payouts

The Rip-Off Detector helps you spot where that system may be working against you — often without anyone saying it out loud.

⭐ What This Tool Does — and What It Doesn’t

The Rip-Off Detector doesn’t replace your agent, your adjuster, or an attorney.

It helps you understand what may have been left unsaid, rushed, or downplayed — so you can ask better questions before accepting a decision.

This reinforces your “mostly DIY, empowering” positioning perfectly.

Here’s What the Rip-Off Detector Actually Looks For

The Rip-Off Detector scans for common tactics insurers use to quietly reduce payouts — things most policyholders are never told to look for. Coverage limits buried in endorsements

  • Depreciation applied where it shouldn’t be
    Depreciation is taken even when the policy doesn’t actually require it.

  • Policy language selectively quoted
    Only the sections that support a lower payout are referenced, while favorable language is ignored.

  • Time limits that work against you
    Deadlines or notice requirements are emphasized late, after they’re already a problem.

  • “Industry standard” explanations that aren’t actually standard
    You’re told something is normal without proof, comparison, or context.

Take the Rip-Off Detector

If any of this sounds familiar, you’re exactly who this tool was built for.

Invest 2-3 minutes - No legal commitment - Free

Was Your Insurance Claim Handled Fairly?

Answer 5 quick questions and get an honest,plain-English reality check—no lawyers,nopressure.

MOST PEOPLE NEVER DIPUTE THEIR CLAIM. THOSE WHO DO OFTEN GET PAID

Was Your Insurance Claim Handled Fairly?

Answer 5 quick questions and get an honest,plain-English reality check—no lawyers,nopressure.

MOST PEOPLE NEVER DIPUTE THEIR CLAIM. THOSE WHO DO OFTEN GET PAID

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Join a community fighting for transparency and fairness in the insurance industry.

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Two individuals are sitting at a conference table with microphones, one wearing a red headscarf. A large banner in the background displays text related to a health reform event in Indonesia. Several bottles and glasses are on the table, and a projection screen is visible to the left.
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A group of people sit around a wooden table engaged in a discussion, with sheets of paper in front of them marked with diagrams and the words 'Diabetes Advocacy'. There is a bright, natural light coming from a nearby window, and everyone appears focused on sharing ideas, as some take notes with colored markers.

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A group of people sit closely together on the ground inside a tent, wearing masks and reading from documents. The setting is casual and communal, with a colorful fabric border lining the upper part of the tent interior. Natural light filters in from an opening in the tent, and there is a patterned carpet on the ground.
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★★★★★

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A modern multi-story office building with a distinctive wavy architectural design. The facade is made predominantly of glass and metal, with an array of vertical and horizontal lines creating a grid-like pattern. There are signs for 'National Insurance' and 'Parking 24x7' visible in multiple languages. The structure appears robust and industrial.
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