Many burn claims are challenged on two fronts:
- Whether the burn severity matches what happened (causation)
- Whether the ongoing harm is proven (future needs and functional impact)
In practice, that means insurers look for consistent records after the incident—ER notes, burn center referrals (when applicable), follow-up visits, wound care documentation, photos, and records showing work restrictions. If your records are incomplete or your timeline is unclear, an online tool may generate a number that doesn’t reflect the way a Lowell claim is evaluated.


