Insurance Claim Submitter

WHAT IT DOES

Insurance Claim Submitter connects to any EVM-based decentralized insurance pool contract and enables you to submit a claim against your active coverage. The tool reads comprehensive pool and policy data including your current coverage amount, coverage duration, policy status (active, expired, claimed, revoked), policy expiry timestamp, pool balance, claim window parameters, claim fee requirements, your claimable amount, previous claims history, and coverage terms hash. It then allows you to specify a claim amount and attach evidence — an IPFS hash, transaction hash, signed message, or any descriptive metadata — then submits a claim transaction to the pool contract. The tool handles multiple claim function signatures (submitClaim, fileClaim, requestPayout) with varying parameter combinations (amount only, evidence only, both, or neither). After submission, the tool displays the transaction hash and refreshes the pool data to show your updated claim status.

HOW TO USE

Connect your Web3 wallet (MetaMask, WalletConnect, or any EIP-1193 provider). Select the correct network for your insurance pool contract — the tool supports Ethereum, Polygon, Arbitrum, Optimism, Base, Avalanche C-Chain, and BNB Chain. Paste your insurance pool contract address into the input field. The tool reads the contract using a default ABI that covers standard pool and claim functions, but you can paste a custom ABI if your contract uses non-standard naming. Review the displayed policy data carefully: your active coverage amount, policy status, expiry time, pool balance, claim window, claim fee, and most importantly — your claimable amount. Enter the amount you wish to claim (optional, some pools determine this automatically). Provide evidence to support your claim — this can be an IPFS hash, a transaction hash, a signed message, or a description of the claim event. When ready, click "Submit claim" — the tool will show a confirmation dialog with all details, submit the transaction, and wait for confirmation. After successful execution, the pool data refreshes automatically and your claim appears in the claim history.

THE REAL MECHANISM

This tool does not assume a single function signature — it adapts dynamically to the pool's actual interface. It first reads the contract ABI and tests common claim function names (submitClaim, fileClaim, requestPayout) through static calls. If none match, it falls back to the user-provided function name. When submitting a claim, the tool tries multiple parameter combinations in order: (uint256 amount, bytes evidence) if both are provided, then (uint256 amount, string evidence), then (bytes evidence) or (string evidence) if only evidence is provided, then (uint256 amount) if only amount is provided, and finally a no-parameter call if nothing is provided. Each attempt is wrapped in a try-catch so the tool gracefully falls back to the next option. For evidence, the tool attempts to pass it as bytes (using ethers.utils.toUtf8Bytes) to support contracts expecting bytes, and falls back to string if that fails. The tool reads policyStatus to ensure you have active coverage before allowing a claim submission, and reads claimableAmount to confirm there is an actual payout available. For pools with a claim fee, the tool reads and displays it before submission. All transaction parameters are estimated using eth_estimateGas and sent with the wallet's preferred gas strategy. The tool monitors the transaction receipt and extracts the effectiveGasPrice to display actual gas cost, not the cap.

WHAT IT CANNOT SEE

Insurance Claim Submitter cannot verify the validity, truthfulness, or completeness of the claim evidence you attach. It cannot determine if your claim is legitimate or fraudulent. It cannot assess whether the claimed event actually occurred or whether it falls within the coverage terms. It cannot guarantee the pool will have sufficient funds to pay your claim when it is approved. It cannot predict the claim approval process, timeline, or outcome. It cannot detect if your claim is being unfairly rejected, delayed, or ignored by the pool operator. It cannot ensure the claim assessment mechanism is not biased, corrupted, or maliciously constructed. It cannot verify that the pool operator will honor the claim even if formally approved by the contract. It cannot prevent the pool operator from changing claim terms, adjusting requirements, or modifying the assessment process after you submit. It cannot recover funds if your claim is rejected or if the pool becomes insolvent.

PLEASE NOTE — EVM CHAINS ONLY

This tool works exclusively with EVM-compatible blockchains. Non-EVM chains are not supported. The tool does not deploy contracts, manage private keys, or sign anything outside the connected wallet's secure environment. It is a read-and-execute interface that relies entirely on the insurance pool contract's implementation and the claim assessment process defined therein.