Why we built Clayem

You paid your premiums for years. Then a fire, flood, or storm hit. The company you trusted sent back an amount that doesn’t come close to covering your losses. They might have denied your claim using confusing language or ignored you for months.

If that's your situation, you're not imagining it, and you’re not alone.

The claims process isn't broken. It's working as designed.

When you file a claim, your insurer sends its own adjuster. That person is paid by the insurance company and trained to find reasons to pay less. The policy you signed contains many pages of exclusions, sub-limits, and endorsements that are easy to misread. Silence, lost paperwork, and repeated requests for the same documents aren't random; they're part of a strategy that leads most people to give up.

This isn't a mistake. The system does exactly what it was built to do.

They have a team. You've had no one.

On the other side of your claim is a whole operation: software that helps assess and minimize damage, along with staff adjusters, lawyers, and actuaries, all focused on keeping your payout small. Most policyholders accept the first offer because they don’t know they can push back, don’t know how, or can’t afford the professionals who handle this for a living.

That imbalance is the main issue. It’s also why a fair claim often turns into a lost one.

You have the right to your own advocate.

Insurers would prefer you ignore this: you can hire someone whose only job is to represent you. A public adjuster is a licensed professional who works for the policyholder, not the insurance company. They read your policy, document your loss correctly, and negotiate for the full amount you deserve.

The problem has always been access. Public adjusters are local and busy, overwhelmed for months after major disasters, and often out of reach for those who need them the most, especially when they need them the most.

What Clayem does

Clayem brings that advocate closer and provides them with better tools. It comes down to three main points:

• AI policy analysis. Our AI reads your entire policy, every clause and exclusion against the specifics of your claim, and highlights the coverage the insurer is overlooking. Work that used to take weeks is done in a fraction of the time.
• Licensed advocacy. A licensed public adjuster on our team reviews everything the AI generates, approves it, and negotiates directly with your insurer. The technology speeds up the analysis while a real, accountable professional handles the advocacy.
• Full transparency. You can follow everything in real time from one dashboard: every document, every offer, every counter-offer, clearly dated and in one place. No more wondering about the status of your claim.

The part that matters most: we only win when you win.

There’s no upfront cost. You pay only if we recover more than the insurer first offered, usually 10 to 20 percent of that additional recovery. If we don’t beat their offer, you owe nothing.

That’s not a promotion; it’s our whole model. The only way Clayem makes money is by getting you more than you would have received on your own. This means someone is genuinely on your side for the first time.

Who this is for

If your property claim was denied, delayed, or underpaid, this is for you:

• Homeowners facing issues like fire, flood, hurricane, hail, or water damage and an offer that doesn't add up.
• Small and mid-size businesses losing revenue every day a commercial property claim sits unresolved, who need expertise and speed instead of a long battle.

Why we built it

Every other tool in this space was designed for the insurance company. The insurer has become smarter, faster, and better resourced over the years while the person who actually paid the premiums received a phone number and a wait.

We created Clayem for that person. You held up your end. You paid for this coverage so that it would be there on the worst day. You have every right to make it pay what it owes.

When you’re ready to push back, we’re ready to help.