Most online tools are built for averages. Your claim in Washington is not average, because burn value depends on details insurers try to minimize:
- Whether the burn is superficial or deep (and whether it required specialty burn care)
- Total body area affected and whether sensitive areas were involved (hands, face, joints)
- Complications—infection, delayed healing, nerve pain, or breathing issues after smoke/heat exposure
- Work and daily-life impact relevant to your job and local routine (missed shifts, reduced hours, restrictions)
Even if a tool gives you a range, it may not reflect what matters most in your medical records—especially if your treatment continues longer than expected.


