You paid for coverage.
We make sure you get it.
Founder's personal claim: carrier offered $23,266 → recovered $623,435 (pre-platform). That gap is what we're building to close.
ClaimRestored uses AI to analyze your claim, benchmark your settlement against real carrier data, and build your recovery across insurance, FEMA, and SBA. Self-file with AI guidance ($249–$399), or activate Full Advocate — licensed PA supervision, 5% of improvement only. You choose your level.
Most policyholders leave money on the table because they don't know the window.
After a loss event, there are three critical phases — each with a different threat. ClaimRestored operates across all three.
What to do first matters most
The choices you make in the first 72 hours — who you call, what you document, what you sign — determine the ceiling on your claim.
Their first check is rarely their best
Most insurers close 80% of claims in the first 30 days — often before you understand what you're entitled to. A settlement offer is not a final number.
You have statutory rights — most never use them
Florida §627.70131, the appraisal clause, §624.155 bad faith (60-day cure period per SB 2A), and the DFS complaint process give you leverage most carriers hope you never discover.
From claim file to full recovery — in 4 steps
ClaimRestored combines AI analysis with licensed professional coordination to maximize your recovery.
Upload Your Claim
Upload your existing claim settlement, denial letter, or adjuster report. No claim yet? We walk you through documentation from scratch.
AI Gap Analysis
Our AI benchmarks your offer against thousands of comparable claim settlements and identifies policy entitlements the carrier missed.
Demand Package Built
ClaimRestored generates a demand letter, supplement package, or DFS complaint filing — backed by regulatory statute citations.
Recovery — You're in Control
Self-file with AI guidance ($249–$399), add expert review (+$149), or activate Full Advocate — a licensed PA takes over on contingency. 5% of the improvement only (final settlement minus carrier's initial offer). Never FEMA or SBA.
See How AI Changes the Claims Game
Most homeowners accept the first offer — not knowing they're leaving tens of thousands on the table. Watch how AI levels the playing field.
AI for the Homeowner — How ClaimRestored Works
Insurance is only part of your recovery.
FEMA and SBA can add up to $687,200 more.
Most disaster survivors leave six figures on the table — not because they don’t qualify, but because they don’t know the programs exist, miss the filing deadlines, or file in the wrong sequence. ClaimRestored’s Gov Package guides you through the complete federal stack for $249 flat. No PA license required. Consumer self-files.
- FEMA IA application walkthrough — step by step
- SBA sequential strategy — filing order matters
- FEMA denial → SBA → additional ONA optimization
- Duplication of benefits map — insurance + FEMA + SBA
- All appeal packages — FEMA denial appeals included
- Consumer self-files — AI guides every step
TurboTax for disaster recovery.
One data intake, three filing pathways — insurance, FEMA, and SBA. Six tiers from free to full PA advocacy. No PA license required for Tiers 1–5.
- Disaster declaration eligibility check
- Document checklist — insurance, FEMA, and SBA
- Deadline tracker — NFIP 60-day, §627.70131 windows
- Intake wizard — property, damage, and event data
- 72-Hour First Response Guide (PDF)
- Everything in Data Foundation
- Guided insurance claim documentation
- Demand letter templates + carrier correspondence (educational — consult attorney before sending)
- Supplement builder — missed items recovered
- Denial appeal template — §624.155 educational basis (consumer files independently)
- Everything in Data Foundation
- FEMA IA application walkthrough (up to $87,200)
- SBA sequential strategy — correct filing order
- FEMA denial → SBA → ONA optimization
- All appeal packages + duplication of benefits map
- Everything in Insurance Package
- Everything in Gov Package
- Shared intake — collect your data once, route to all three
- Full recovery stack — insurance + FEMA + SBA
- Saves $99 vs. Insurance and Gov separately
- Add to Insurance, Gov, or Bundle
- Licensed FL public adjuster or attorney reviews your completed package
- 48-hour async review + 20-minute strategy call
- Consumer still files — expert confirms accuracy
- No PA license required
- Licensed PA takes over your insurance file
- Full FEMA + SBA coordination included
- PA negotiates, files, manages appraisal process
- 5% of improvement only (recovery minus carrier’s initial offer) — no extra fee if we don’t improve your settlement
- $100 more than the Bundle — PA takes over from there
Less than 0.1% of what’s at stake. Our founder was offered $23,266 by his carrier. He recovered $623,435. His Full Advocate tier cost $499 flat, plus 5% of the improvement only: 5% × ($623,435 − $23,266) = $30,008 fee on $600,169 in additional recovery. The 5% applies only to the improvement — never to FEMA grants or SBA loans. If we don’t improve your settlement, no contingency fee.
How ClaimRestored stacks up.
Not all claim recovery options are created equal. See how we compare on cost, time, and outcome.
| Factor | ClaimRestored | Traditional PA | Plaintiff Attorney | DIY |
|---|---|---|---|---|
| Cost | $0 – $499 + 5% contingency | 10–20% of total | 33% contingency | $0 (your time) |
| Time to Resolution | 30–90 days (projected) | 60–120 days | 6–18 months | Unknown |
| AI Analysis | ✓ | ✕ | ✕ | ✕ |
| Policy Gap Detection | ✓ | Varies | Limited | ✕ |
| Regulatory Tracking | ✓ | ✕ | ✓ | ✕ |
| Success Rate | TBD (launching Q2 2026) | Moderate | High (litigation) | Low |
| Effort Required | Minimal | Moderate | Low | Very High |
| Works for the Homeowner | ✓ | ✓ | ✓ | N/A |
The knowledge most carriers hope you never have.
ClaimRestored publishes free guides, ebooks, and tools to level the information playing field between homeowners and insurers.
The First 72 Hours: What to Do After Storm Damage
A step-by-step checklist for the critical post-loss window. Document right, preserve your options, avoid the traps that reduce your payout.
Get Notified When Available →Damage Documentation Checklist
The complete room-by-room, category-by-category checklist used by professional damage documenters. Don't miss a single item the carrier can use against you.
Get Notified When Available →Florida Insurance Statute Guide for Homeowners
Plain-English explanations of §627.70131, §624.155, §627.428, and other statutes that give you leverage against carriers who underpay or delay.
Get Notified When Available →Hurricane Season Mode
When a named storm is declared, ClaimRestored activates a dedicated Storm Dashboard — pre-storm documentation tools, a 72-hour post-storm checklist, and priority claim intake. One platform, built for every season.
- Document every room now. Photograph or video all rooms, appliances, and valuables with timestamps. Store to cloud — not just your phone.
- Photograph your roof and exterior. Dated baseline photos prove post-storm damage is new — not pre-existing — when the adjuster arrives.
- Verify flood coverage before June 1. Standard homeowners insurance does NOT cover flood. NFIP has a mandatory 30-day waiting period.
- Review your hurricane deductible. FL hurricane deductibles are often 2–5% of your home's insured value — know your number before you need it.
- Back up your policy documents. Upload insurance policies, your home inventory, and mortgage docs to cloud storage accessible from any device.
- Confirm safety first. Do not enter if there is structural damage, standing water, or downed power lines nearby.
- Photograph all damage within 24 hours. Multiple angles, every room. Timestamps matter — water damage evidence fades fast and mold starts within 48 hours.
- Make only emergency protective repairs. Tarp the roof, board windows. Do NOT start permanent repairs before the adjuster inspects — it can void your claim.
- File your claim within 7 days. Florida law requires insurers to acknowledge receipt within 7 calendar days. Delays weaken your position.
- Keep all damaged items. Do not discard anything until the adjuster has inspected — even if it looks unsalvageable.
- Log every insurer contact. Date, time, name, and summary of every call and email. This paper trail is your protection if the carrier delays or disputes.
Building the future of claims intelligence.
ClaimRestored is being developed in three phases — each unlocking new capabilities for homeowners and professionals.
MVP Launch
- AI damage analysis from photos & aerials
- Policy parsing & entitlement mapping
- Automated demand letter generation
- FL statute & regulatory citation engine
- HB 527 compliance — AI denial review mandate (July 1, 2026)
B2B + Volume
- LossIntel.ai B2B platform for public adjusters
- 200+ claims/month processing capacity
- Field agent marketplace launch
- Multi-carrier benchmark database
National Expansion
- Multi-state expansion beyond FL
- Field professional marketplace nationwide
- Enterprise tools for large PA firms
- Agent-to-agent AI negotiation
Two-Sided Field Marketplace
ClaimRestored pairs homeowners with verified field professionals for on-site damage documentation — creating faster evidence, stronger claims, and paid opportunities for agents statewide.
Are you a field professional?
Join the ClaimRestored Field Network. Get paid per-assessment for damage documentation work in your area. No PA license required for documentation roles.
Apply for the Field Network →* Field documentation agents collect physical evidence only and do not provide claims opinions. Licensed PA activities are governed by FL §626.854. ClaimRestored coordinates licensed PA services separately.
Damage Documenters
On-site photo, video, and measurement documentation. Flexible scheduling.
Licensed PA Partners
Receive qualified referrals from ClaimRestored's D2C funnel. High-value, pre-documented claims.
Restoration Partners
Contractor network for damage scope verification and remediation referrals.
Attorney Network
Bad faith and coverage dispute attorneys receive pre-packaged case files.
What ClaimRestored can recover.
Projected outcomes based on comparable Florida claims and industry data. Platform launching Q2 2026.
"State Farm offered us $18K on a roof that required a full replacement. ClaimRestored identified three coverage provisions the adjuster never applied. Final settlement: $59,200."
"The demand letter ClaimRestored generated cited two DFS statutes I'd never heard of. The carrier revised their offer in 11 days. The $249 flat-fee Insurance Package paid for itself a hundred times over."
"My claim had been sitting for 4 months. ClaimRestored's field agent documented the damage I'd missed — including code upgrade items — and the carrier paid within 30 days."
Note: Recovery stories are illustrative projections based on industry data and comparable claim outcomes. ClaimRestored is in pre-launch development. Actual results will vary by claim, carrier, and jurisdiction.
AI that restores your home — and your claim.
ClaimRestored is the first AI-native platform built exclusively for the policyholder. We combine machine learning, regulatory intelligence, and a statewide network of field professionals to close the gap between what carriers offer and what homeowners are owed.
We focus on Florida and the Gulf Coast — the epicenter of catastrophic property claims in the United States. Every tool, every workflow, every statute reference is built for homeowners in this region.
Florida's HB 837 tort reform eliminated one-way attorney fees for property claims — collapsing the attorney pipeline that previously held carriers accountable. Denial rates rose to 46.7% in 2024. With average FL homeowner premiums at $3,600–$4,200 (FLOIR), policyholders deserve every dollar they’re owed. ClaimRestored fills exactly that gap with AI-powered claims advocacy.
AI Damage Assessment + Policy Parsing
Computer vision cross-referenced with your policy's replacement cost provisions and endorsements.
State Regulatory Intelligence
Every Florida statute relevant to your claim — §627.70131, §624.155, §627.428 — encoded and monitored.
Field Verification Network
Verified field agents in every major FL county for on-site damage documentation backed by physical evidence.
Settlement Benchmark Database
Thousands of comparable claim outcomes across FL carriers. See exactly where your offer ranks.
The Future: Agent-to-Agent Intelligence
In January 2026, the first AI-to-AI insurance claim settlements were completed. ClaimRestored is building toward a future where your AI agent negotiates directly with your carrier's AI — reaching fair settlements faster than either side could alone. The goal: no-haggle insurance claims.
Ready to find out if you're underpaid?
Enter your zip code and email to get early access, storm alerts, and free claim strategy guides. We'll notify you the moment your county goes live.
Start free. Paid tiers from $249. Full Advocate includes 5% contingency on the improvement only (final settlement minus initial carrier offer) — never FEMA or SBA. Your information is never sold or shared.