You paid for coverage.
We make sure you get it.
After the storm comes a stack of filings — insurance claims, FEMA assistance, SBA disaster loans, and deadlines most homeowners miss. ClaimRestored helps you build a clear, source-linked record of all of it — free to start.
- No credit card required
- Free to start
- Insurance · FEMA · SBA covered
- 60,620 FL DFS records
- Built for your adjuster or attorney
- Call Alex 24/7 — 904-747-9874
† Founder's personal case, Hurricane Milton — Universal Property's Feb 18, 2025 offer of $23,266.28 vs. total recovery of $1,352,367.13 to date. Read the story ↓
Why it matters
Most Florida homeowners leave money on the table —
because they don't know the window.
Florida law gives carriers strict deadlines to act on your claim. Most policyholders don't know when the clock started, what was missed, or how their settlement compares to similar claims in their county.
Your carrier generally has 60 days to make a coverage decision
Most homeowners don't know that disputed items must be itemized in writing, or that Florida law sets strict deadlines for carriers to respond. ClaimRestored shows you what was itemized — and what wasn't.
Source: Florida Statutes §627.70131
A 2010 Florida Office of Program Policy Analysis study found policyholders with professional representation recovered significantly more than those without. ClaimRestored helps you understand the gap — before you decide your next step.
60,620 FL DFS records — organized by carrier, county, and storm
ClaimRestored holds the most complete structured CRN dataset outside the DFS itself. Our AI compares your claim against similar filings to identify categories that may have been missed or underpaid.
Your window to reopen may be closing — most homeowners don't know it exists
Florida law gives homeowners 18 months from the date of loss to file a supplemental claim on a policy issued or renewed after 16 December 2022 — and 3 years on an earlier policy. A closed claim is not a final claim. But once that window closes, it closes permanently. Check your dates.
Source: FL §627.70132
From storm to full recovery
Four steps to your recovery plan
Start with your insurance claim. We'll cover FEMA, SBA, and every deadline in between. No commitment required until you decide to move forward.
Upload your documents
Share your claim estimate, policy declarations page, and any carrier correspondence. Uploads are encrypted and handled under strict privacy controls.
AI reviews your claim
Our 10-agent AI pipeline compares your settlement against 60,620 FL DFS records — filtered by county, carrier, storm type, and claim category.
Receive your gap analysis
You get a clear report showing how your settlement compares to similar claims and identifying categories to investigate — before any fees or commitments.
Build your full recovery plan
Build your full recovery plan — insurance gaps addressed, FEMA assistance walkthrough, SBA disaster loan prep, and every statutory deadline tracked. Your path, your pace.
Who reviewed your denial?
No Florida law requires a human being to review a claim that software decided to deny.
In March 2026 the Florida House voted 108–0 to require one. The Senate never brought it to a vote.
We work the other way around. Every claim record we build is made for human review — and packaged so a licensed public adjuster or attorney can act on it.
Sources: Florida CS/CS/HB 527 and SB 202 (2026 session), Florida Senate bill records; Fla. Stat. §626.112 and §626.8695. Verified 31 July 2026.
See it in action
How AI changes the claims game for Florida homeowners
A 3-minute walkthrough of how ClaimRestored's AI pipeline reviews your claim against the FL DFS database and generates your gap analysis report.
Government programs
Insurance is only part of your recovery. FEMA and SBA can add up to $687,200 more.
Most Florida storm survivors don't apply for federal programs — either because they don't know they qualify, or because the process feels overwhelming. ClaimRestored walks you through both.
Founding Cohort 1
Free for Florida homeowners who act now.
The full ClaimRestored platform — insurance claim review, FEMA assistance guidance, SBA disaster loan prep, document organization, and deadline tracking — at no cost for the first Florida homeowners in Founding Cohort 1.
- AI-powered claim review — free to start
- Settlement gap analysis vs. 60,620 FL DFS records
- Document organization + statutory deadline tracking
- Supplement letter checklist and organization guidance
- CRN benchmarking by county, carrier, and storm
- FEMA IA walkthrough + SBA disaster loan preparation
Open for our initial cohort now. No percentage of your recovery — we never take a cut of your settlement.
Not a law firm. Not a public adjuster. Just data — on your side of the table.
What to expect
What ClaimRestored can help you find.
A settlement estimate is compared against similar filed claims to surface categories that may be worth a closer look — such as code-upgrade coverage.
Comparing a settlement against similar filed claims can surface gaps a homeowner may not have known to look for.
The FEMA walkthrough is built to help a homeowner determine eligibility and complete an Individual Assistance application correctly the first time.
Illustrative scenarios, not quotes from real users — actual outcomes depend on your policy, carrier, and documentation.
Our story
Built by someone who has been through it.
ClaimRestored was built out of a Florida claim our founder lived through. The carrier offered $23,266 in December 2024; recovery to date is $1,352,367. Those 18 months taught us what to document and when — and we built this so you start with that record already in hand.
ClaimRestored was founded after our founder went through the Florida claims process himself — from a $23,266 carrier offer (Dec 2024) to $1,352,367 recovered to date. We built this so every Florida homeowner has the same intelligence on their side of the table.
The platform is built on 60,620 FL DFS Civil Remedy Notice records — structured and enriched by our state-of-the-art agentic AI pipeline.
Common questions
What Florida homeowners ask us
Insurance. FEMA. SBA.
One platform. Every filing you're owed.
Free for Founding Cohort 1 · Limited spots. No credit card. No commitment. Or call Alex 24/7: 904-747-9874