We maximize your insurance claim for you.
AI-powered policyholder advocacy. Zero upfront cost. You only pay when we recover more.
No upfront cost · Licensed, vetted public adjusters · Contingency only
Expert advocacy tailored to your claim's success
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 designed to confuse, not clarify.
With Clayem
AI policy analysis
Every clause, exclusion, and endorsement 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 expertise to fight your toughest claims
Fire damage
Home fires, wildfires, and smoke damage claims that insurers routinely undervalue.
Flood damage
Water intrusion, flash floods, and storm surge — including NFIP disputes.
Hurricane damage
Wind, rain, and structural damage from tropical storms and hurricanes.
Hail damage
Roof, siding, and vehicle damage from hailstorms — often underpaid by 40-60%.
Commercial property
Business interruption, inventory loss, and commercial structural damage claims.
Water damage
Burst pipes, appliance failures, and hidden water damage behind walls and floors.
Built to maximize 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
Thousands of claims processed means we know exactly how each insurer operates — and how to counter them.
Contingency model
10-15% 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. Takes about 10 minutes.
Analyzing policy
42 pages scanned
AI analyzes your policy
Our AI cross-references every clause against your claim, identifies missed coverage, and builds a professional evidence package with policy citations.
Settlement recovered
vs $14,750 initial offer
We negotiate for you
A licensed public adjuster reviews the AI's work, approves the demand letter, and negotiates directly with your insurer until you get what you're owed.
Zero risk. You only pay when we recover more.
Contingency
We take a percentage only of the money we recover above your insurer's original offer. If we don't recover more, you owe nothing.
Get StartedWhat's included
- Full AI policy analysis
- Licensed public adjuster review
- Professional demand letter
- Direct insurer negotiation
- Real-time dashboard tracking
- No upfront fees — ever
Real results for real policyholders
$12M+
Recovered for policyholders
3.2x
Average increase over initial offer
94%
Success rate
18 days
Average time to resolution
Answers to your most common questions
What does Clayem cost?
Nothing upfront. We work on contingency — 10 to 15 percent of the additional money we recover above your insurer's original offer. 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 cross-references every clause, exclusion, and endorsement against your specific claim. It identifies 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 accelerates 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, but our average is 18 days from upload to settlement — far faster than traditional methods.
What if my claim was already denied?
Denied claims are our specialty. Insurers count on policyholders accepting a denial and walking away. We find the policy language that proves the denial was wrong.
Ready to fight back?
Upload your claim in 10 minutes. Our AI starts working immediately. You pay nothing unless we recover more.
Start your claim