# Money You're Owed

> Plain-English US money-recovery guides and small self-help organizers. We do not file claims, give legal or financial advice, or promise any recovery.

## Products
- [PCS ClaimDeck](https://moneyyoureowed.com/pcs-claimdeck/): $19 USD one-time. Manual browser-local evidence organizer for a military PCS household-goods claim (item facts, receipt and photo references, offers, payments). For service members and families organizing their own claim. Not for anyone wanting a claim filed, valued or negotiated for them. Refund: email within 30 days of purchase.
- [CrashValue Claim](https://moneyyoureowed.com/crashvalue-claim/): $19 USD one-time. Browser organizer for repaired-car diminished-value evidence: valuation sources, assumptions and insurer correspondence. Free demo: https://moneyyoureowed.com/crashvalue-claim/demo. For owners preparing their own claim after a repair. Not for total loss, injury, disputed fault or anyone wanting an appraisal. Refund: email within 30 days of purchase.
- [DenialFix](https://moneyyoureowed.com/denialfix/): $47 USD one-time. Private browser workspace for organizing a home insurance denial: denial reason, policy wording, estimates, evidence gaps and correspondence in one exportable record. It does not decide coverage, calculate deadlines or promise payment. 30-day money-back guarantee.
- [Airbnb Damage Claim Builder](https://moneyyoureowed.com/airbnb-damage-claim/): $47 USD one-time. Private browser evidence inventory for Airbnb hosts preparing a damage claim: incident facts, line items, receipts, photos and messages in one record. Not affiliated with Airbnb; Airbnb decides eligibility and payment. 30-day money-back guarantee.
- [The GLP-1 Appeal Kit](https://moneyyoureowed.com/glp1-appeal/): $39 USD one-time. Fill-in appeal letters, a prescriber prior-authorization worksheet, insurer playbooks and external-review templates for US consumers whose Wegovy, Zepbound or Ozempic coverage was denied. Not for Medicare GLP-1 Bridge prior-authorization denials: CMS says the Bridge has no appeals process (the prescriber can only resubmit). 30-day money-back guarantee.

## Guides
- [Diminished value claim after repair](https://moneyyoureowed.com/guides/diminished-value-claim-after-repair): what diminished value is, which states allow third-party claims, the evidence to collect.
- [PCS claim lowball offer](https://moneyyoureowed.com/guides/pcs-claim-lowball-offer): how to answer a low household-goods claim offer item by item, and the 9- or 12-month filing window.
- [Home insurance claim denied: what to do next](https://moneyyoureowed.com/guides/home-insurance-claim-denied-what-to-do): eight steps from reading the denial letter to appraisal, a written appeal and a state insurance department complaint.
- [Airbnb damage claim: how to file with evidence (host guide)](https://moneyyoureowed.com/guides/airbnb-damage-claim-host-guide): the 14-day Resolution Center request, the 30-day Host Damage Protection deadline, and the evidence Airbnb's terms list.
- [Wegovy & Zepbound appeal letter sample](https://moneyyoureowed.com/guides/glp1-appeal-letter-sample): a free fill-in appeal letter for a commercial-plan prior-authorization denial, what to attach, and the federal appeal deadlines (29 CFR 2560.503-1, 45 CFR 147.136).
- [Zepbound denied by insurance: what to do next](https://moneyyoureowed.com/guides/zepbound-denied-what-to-do): the route for each denial reason: plan exclusion, prior authorization, step therapy, the CVS Caremark formulary change, sleep apnea and Medicare Part D.
- [Diminished value claim in Georgia](https://moneyyoureowed.com/guides/diminished-value-claim-georgia): third-party and first-party rules from Georgia court opinions; 17c is an insurer method, not law.
- [Diminished value claim in Texas](https://moneyyoureowed.com/guides/diminished-value-claim-texas): third-party measure (J&D Towing) and no first-party DV under the standard policy after an adequate repair (Schaefer).
- [Diminished value claim in Florida](https://moneyyoureowed.com/guides/diminished-value-claim-florida): the standard jury instruction on property damage and no first-party DV after a full repair under a repair-or-replace policy (Siegle).
- [Diminished value claim in California](https://moneyyoureowed.com/guides/diminished-value-claim-california): the tort measure (Merchant Shippers) and no first-party DV after a like kind and quality repair (Ray v. Farmers).
- [Free diminished value worksheet](https://moneyyoureowed.com/guides/diminished-value-worksheet): a blank comparable-listings worksheet for a repaired car; no dollar estimate and no formula.
- [All guides](https://moneyyoureowed.com/sitemap.xml)

## Contact
- hello@moneyyoureowed.com