Most online tools estimate value by using broad categories. But in real claims, insurers focus on a checklist of evidence and impact that usually includes:
- Medical documentation quality (ER notes, burn center records, follow-ups)
- Treatment timeline (how long care lasted and whether complications developed)
- Functional limitations (hand/arm movement, breathing concerns, work restrictions)
- Scarring and long-term management (scar treatments, possible future procedures)
- Causation clarity (what caused the burn and how it matches your medical story)
In other words, the “number” depends less on the label of your injury and more on how well the record shows the full impact.


