Online tools can’t review your ER discharge paperwork, operative notes, photos of your injury, or documentation of how your burn affects your ability to work. They also can’t account for common burn realities—like scar sensitivity, ongoing therapy needs, or complications that show up after the initial healing phase.
In practice, insurers evaluate burn claims with a focus on:
- Medical consistency (does the treatment match the reported cause?)
- Functional impact (can you grip, lift, walk, sleep, or perform job tasks?)
- Causation (is there a clear link between the incident and the burn pattern?)
- Credibility and documentation (are symptoms tracked over time?)
That’s why a “range” from an AI or online calculator should never be treated as your final settlement amount.


