We work hard to get you the most out of your insurance claim.
AI-driven support for policyholders. No initial fees. You only pay when we recover more.
No upfront cost · Licensed, vetted public adjusters · Contingency only
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.
Reliable knowledge to tackle your hardest claims.
Fire damage
Home fires, wildfires, and smoke damage claims that insurers often undervalue.
Flood damage
Water intrusion, flash floods, and storm surge, including disputes with the National Flood Insurance Program (NFIP).
Hurricane damage
Wind, rain, and structural damage from tropical storms and hurricanes.
Hail damage
Roof, siding, and vehicle damage from hailstorms, which are often underpaid by insurers.
Commercial property
Claims for business interruption, inventory loss, and structural damage to commercial properties.
Water damage
Burst pipes, appliance failures, and hidden water damage behind walls and floors.
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 20% of additional recovery. If we don't recover more than the insurer offered, you pay nothing.
Drop files or browse
Upload your claim
Describe your situation and upload your policy documents, insurer correspondence, and damage photos. This takes about 10 minutes.
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.
Settlement recovered
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.
Zero upfront cost. You only pay when we recover additional funds.
Contingency
We only take a percentage of the money we recover above what your insurer initially offered. If we don't recover more, you don't owe anything.
Get StartedCancellation terms and fee obligations are explained in your Client Engagement Agreement (CEA).
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
The Clayem difference
Missed coverage
AI catches what adjusters overlook
Lowball offers
Data-backed demand letters with policy citations
Months of delay
Direct negotiation by a licensed professional
Confusing process
Real-time dashboard; you always know where you stand
Answers to your most common questions.
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 property damage claims, including fire, flood, hurricane, hail, water damage, and commercial property. 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.
Ready to push back?
Upload your claim in 10 minutes. Our AI starts working right away, and a licensed public adjuster reviews every analysis before we take any action. You pay nothing unless we recover more.
Start your claim