"Insurance denies. We expose. You win"

⭐️ 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

Inssux empowers me to challenge unfair insurance practices and share my story with a supportive community.

John Doe

A large outdoor space displays a tall white flag with 'TRACE' written in bold red letters. In the background, a dramatic sky filled with thick, dark clouds looms over a wide expanse of green land bordered by trees. A tent with a promotional banner that reads 'It Pays To Save With Fidelity' is visible, suggesting a sponsored event or gathering. The overall scene is open and expansive, indicative of a field or park setting.
A large outdoor space displays a tall white flag with 'TRACE' written in bold red letters. In the background, a dramatic sky filled with thick, dark clouds looms over a wide expanse of green land bordered by trees. A tent with a promotional banner that reads 'It Pays To Save With Fidelity' is visible, suggesting a sponsored event or gathering. The overall scene is open and expansive, indicative of a field or park setting.
A person in a white outfit leans out of a window of a minibus in a busy urban street. Several cars are visible in the background, and there is a sign for an insurance company with red and white accents. Shadows and sunlight create a dynamic play of light on the scene.
A person in a white outfit leans out of a window of a minibus in a busy urban street. Several cars are visible in the background, and there is a sign for an insurance company with red and white accents. Shadows and sunlight create a dynamic play of light on the scene.

★★★★★

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