The Origin Story
On October 9, 2024, Hurricane Milton struck Florida. Among the homes damaged was the residence of Stuart Nixdorff — a technology entrepreneur and CEO of LossIntel Inc.
Stuart held a homeowner policy with Universal Property & Casualty Insurance Company. After the storm, he filed a claim. Universal's settlement offer arrived February 18, 2025: $23,266.28.
Something didn't add up. Stuart engaged Horse & Crown, an independent appraisal firm. Their comprehensive damage assessment: $892,465.57.
Total recovery to date: $1,352,367.13 — a 58x multiplier over the initial offer. Here's the ledger:
| Event | Date | Amount |
|---|---|---|
| Storm loss (Hurricane Milton) | Oct 9, 2024 | — |
| Universal Property & Casualty settlement offer | Feb 18, 2025 | $23,266.28 |
| Independent appraisal (Horse & Crown) | 2025 | $892,465.57 |
| Total recovery to date | Current | $1,352,367.13 |
This wasn't a rounding error. It was a systematic pattern — the same pattern that plays out across tens of thousands of Florida hurricane claims every year, in homes where the owner doesn't know how to push back.
Why ClaimRestored Exists
Most Florida homeowners don't have the technical background to recognize when their claim is underpaid. They don't know about Civil Remedy Notices under Florida §624.155. They don't know how to interpret their policy's appraisal clause. They don't know how to read a depreciation schedule. And after a storm, they're exhausted, displaced, and dealing with contractors.
Carriers know this. The strategy — sometimes called Delay, Deny, Defend — has been documented since the 1990s. Make the process painful enough, and most homeowners take whatever is offered.
ClaimRestored changes the information asymmetry. Our AI pipeline gives every Florida homeowner access to the same analytical firepower that insurers use to evaluate claims — built on the same public records that tell the story of how carriers handle claims across the state.
The Technology
ClaimRestored is built on LossIntel Inc.'s AI infrastructure — a state-of-the-art agentic AI pipeline:
Document Intelligence
AI extracts damage data from your policy, inspection reports, contractor estimates, and photos. No manual data entry.
CRN Benchmarking
Your claim is compared against 60,620 Florida DFS Civil Remedy Notice records — public data on FL carrier dispute patterns.
Statutory Analysis
The pipeline checks your claim against Florida insurance statutes and applicable FEMA disaster declarations.
Gap Analysis
An AI settlement gap analysis identifies items that may have been missed, undervalued, or improperly depreciated in your settlement.
Evidence Package
The pipeline assembles a structured evidence package suitable for use with a public adjuster, attorney, or carrier dispute process.
FEMA & SBA Screening
Every claim is screened for federal disaster assistance eligibility — a resource many homeowners don't know to pursue.
LossIntel Inc.
ClaimRestored is a product of LossIntel Inc., a Delaware C-Corporation founded in 2024. LossIntel also operates a B2B intelligence platform at lossintel.ai — providing carrier-level claim analytics to public adjusters, attorneys, and restoration contractors.
Stuart Nixdorff serves as Founder and CEO. Stuart is also a board director of Myrias Optics (meta-optics commercialization), board member of Ada IQ (AI product design), and managing partner of Intervals.ai (GTM consultancy for deep-tech founders). He is based in Florida. Connect on LinkedIn.
ClaimRestored is not a law firm and not a licensed public adjuster. See our full disclaimer.
Our Commitment to Florida Homeowners
We built ClaimRestored on one premise: the information needed to fight an underpaid claim exists — in public records, in policy language, in statutory law — but it's inaccessible to ordinary homeowners without weeks of research and professional guidance. Our mission is to make that information available to every Florida homeowner in minutes, not months.
The free tier is free because we believe every homeowner deserves to know whether their claim was handled fairly before they decide whether to take further action.
Keep Reading
The Claims Journey
How Florida carriers delay, deny, and defend — and where claims typically stall.
Carrier Intelligence
Dispute patterns by carrier, drawn from Florida DFS Civil Remedy Notice filings.
Recovery Tracker
Claim milestones and the Florida statutory deadlines that matter.