You paid for coverage.
We make sure you get it.
Florida homeowners are underpaid an average of $37,700 on catastrophic claims. ClaimRestored uses AI to document, analyze, and advocate — so you get every dollar you're owed.
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, 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 — No Win, No Fee
We coordinate with licensed public adjusters where required. Full contingency on recovered delta. If we don't recover, you pay nothing.
Transparent pricing. No surprises.
Three tiers designed around where you are in the claims process. Start free, upgrade only if you need more.
- AI estimate if your claim is underpaid
- 72-Hour First Response Guide (PDF)
- Damage documentation tips & checklist
- FL insurance statute explainers
- Carrier complaint history lookup
- Everything in Free
- Professional onsite documentation visit
- AI damage analysis (23-category report)
- Aerial baseline comparison (pre/post-storm)
- Coverage gap review against your policy
- Detailed written report for your carrier/PA
- Everything in Pro
- Full AI-powered claims advocacy
- Licensed PA review & demand package
- Carrier negotiation support
- Regulatory tracking & bad faith escalation
- Attorney referral network for complex claims
Traditional PAs charge 10–20% of your TOTAL claim. We charge just 5% of the ADDITIONAL money we recover. Example: Carrier offers $27,300. We recover $65,000. Delta = $37,700. Our fee = $1,885. You keep $63,115.
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 | Free – 5% of delta | 10–20% of total | 33% contingency | $0 (your time) |
| Time to Resolution | 30–90 days | 60–120 days | 6–18 months | Unknown |
| AI Analysis | ✓ | ✕ | ✕ | ✕ |
| Policy Gap Detection | ✓ | Varies | Limited | ✕ |
| Regulatory Tracking | ✓ | ✕ | ✓ | ✕ |
| Success Rate | High (AI-assisted) | 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.
Download Free PDF →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.
Download Checklist →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.
Download Statute Guide →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 recovered.
Real outcomes from Florida homeowners who refused to accept the first check.
"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. I paid nothing until the check cleared."
"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."
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.
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.
Ready to find out if you're underpaid?
Join the waitlist to be first in line when ClaimRestored launches. Enter your email below — no obligation, no spam.
No fee until we recover. Contingency only. Your information is never sold or shared.