What does Clayem cost?

Nothing upfront. We work on contingency, taking 10 to 20 percent of the extra money we recover above your insurer's original offer, depending on the state and case. If we don't recover more, you pay nothing.

What types of claims do you handle?

We handle roof and wind, water, fire and smoke, fallen tree and structural, and storm and hurricane damage claims. If your claim was denied, delayed, or underpaid, we can likely help.

How does the AI work?

Our AI reads your entire insurance policy and checks every clause, exclusion, and endorsement against your specific claim. It finds coverage the insurer is ignoring and builds a professional evidence package.

Do I still get a real person?

Absolutely. Every case is reviewed and approved by a licensed public adjuster who negotiates directly with your insurer. The AI speeds up the analysis; the human does the advocacy.

How long does the process take?

Most claims see initial AI analysis within 48 hours. Full resolution varies by complexity and how quickly the insurer responds. Timelines are illustrative and not guaranteed.

What if my claim was already denied?

Denied claims are our specialty. Insurers rely on policyholders accepting a denial and walking away. We find the policy language that shows the denial was wrong.

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Licensed public adjusters who help you get the most from your insurance claim.

Denied, underpaid, or ignored?Denied, underpaid, or ignored by your insurer? Get started for free. There's no initial cost. If we don't bring you more, you won't pay anything.

Get Started Free How it works

A couple reviewing their insurance claim settlement

No upfront costContingency only

Residential

Home, made whole

We take care of the details, the paperwork, and the calls to the insurance company. This way, you can focus on rebuilding your home.

Small businesses

Back in business

We record the loss and request full payment so your shop or restaurant can reopen sooner.

Commercial

Recovery at scale

Large, complex property losses managed from start to finish, including business interruption and structural damage.

Why choose us

Expert support designed to help your claim succeed

Other firms

Minimize payouts
Adjusters are trained to find reasons to pay less, not more.
Delay tactics
Months of silence, lost paperwork, and repeated requests for documentation.
Complex policy language
Pages of exclusions and sub-limits are designed to confuse, not clarify.

With

AI policy analysis
Every clause, exclusion, and endorsement is analyzed in minutes, not weeks.
Licensed advocacy
A vetted public adjuster negotiates directly with your insurer on your behalf.
Full transparency
Track every document, offer, and counter-offer in real time from your dashboard.

Claim types

Reliable knowledge to tackle your hardest claims.

Fire & Smoke Damage

Home fires, wildfires, and smoke damage claims that insurers often undervalue.

Denied or Underpaid Claims

Already filed and got denied or lowballed? We reopen the claim and negotiate the difference.

Fallen Tree & Structural Damage

Tree strikes and impact damage that compromise framing well beyond the visible hole.

Water Damage

Burst pipes, leaks, and sudden water events that cause hidden, costly damage.

Storm & Hurricane Damage

Wind, rain, and structural damage from severe storms, tropical systems, and hurricanes.

Roof & Wind Damage

Lifted shingles, hail hits, and siding damage that insurers dismiss as cosmetic or wear and tear.

Features

Built to get the most from your claim.

AI policy analysis

Our AI reads your entire policy, every clause, exclusion, and endorsement, and finds what the insurer is missing.

Licensed public adjusters

Every case is reviewed and negotiated by a licensed, vetted public adjuster in your state.

Demand letter generation

Professional demand packages with policy citations, damage assessments, and comparable settlement data.

Real-time tracking

Follow every document, communication, and offer through your personal Clayem dashboard.

Pattern recognition

Built on deep insurance claim expertise; we know how each insurer operates and how to counter them.

Contingency model

10 to 15% of additional recovery. If we don't recover more than the insurer offered, you pay nothing.

Your dashboard

Track each step of your claim as it happens.

Offers, activity, documents, and adjuster communication, all in one place, updated in real time.

Clayem claim overview dashboard showing offer accepted, activity feed, and adjuster info

How it works

Our process for advocating for your claim.

Get Started

Drop files or browse

Policy.pdf

Photos.zip

Letter.pdf

Upload your claim

Describe your situation and upload your policy documents, insurer correspondence, and damage photos. This takes about 10 minutes.

Sign engagement agreement (CEA)
Letter of representation (LOR)

100%

Analyzing policy

42 pages scanned

AI analyzes your policy

Our AI checks every clause against your claim, finds any missed coverage, and creates a professional evidence package with policy citations.

Licensed public adjuster review
Demand letter approval

Settlement recovered

$50,000

3.3x

vs $15,000 initial offer

Example for illustration only

We negotiate for you

A licensed public adjuster looks over the AI's work, approves the demand letter, and negotiates directly with your insurer until you receive what you're owed.

Fee

Zero upfront cost. You only pay when we recover additional funds.

Contingency

10–15%of extra recovery

You only pay on what we recover above your insurer's initial offer. If we don't recover more, you owe nothing.

Get Started

What's included

Full AI policy analysis

Licensed public adjuster review

Professional demand letter

Direct insurer negotiation

Real-time dashboard tracking

No upfront fees, ever

FAQ

Answers to your most common questions.

From the blog

Insights

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Should You Hire a Public Adjuster After a Denied Claim?

Ready to
push back?

Upload your claim in 10 minutes. A licensed public adjuster reviews every analysis before we take any action.

Start your claim

No upfront costContingency only