You paid for coverage.
We make sure you get it.
ClaimRestored helps Florida homeowners review their insurance claim, identify potentially missed money, and create a clearer path to recovery — with AI-guided support.
- No credit card required
- Free to start
- 100,000+ FL DFS records
- No lawyer required to start
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.
The carrier has 90 days to pay or deny after you submit a claim
Most homeowners don't know that disputed items must be itemized in writing. Carriers rely on that. ClaimRestored shows you what was itemized — and what wasn't.
Source: Florida Statutes §627.70132
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.
100,000+ 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.
New Florida law changes how claim disputes work
HB 527 updates Florida's bad faith framework. ClaimRestored's database and AI pipeline are built around the new statute — giving you current, Florida-specific analysis.
Source: FL HB 527 (2026)
From claim file to clarity
Four steps to your recovery plan
Start with what you have. We'll help organize the next step. 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 100,000+ 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.
Choose your next step
Self-file with AI guidance, access a vetted professional in our network, or add FEMA and SBA support. Your path, your pace.
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.
Transparent flat-fee pricing
Start free. Pay flat when you're ready.
Unlike public adjusters who charge 10–20% of your recovery, ClaimRestored uses transparent flat-fee pricing. No percentage of your payout. No surprises.
- Free AI-powered claim check (3 minutes)
- CRN benchmarking by county + carrier
- Gap estimate summary report
- Document readiness checklist
- Everything in Tier 1
- Full AI gap analysis report
- AI-drafted supplement letter
- CRN filing guidance (if applicable)
- Priority email support
- FEMA IA application walkthrough
- SBA disaster loan preparation
- Document upload + organization
- Step-by-step filing support
- Everything in Tiers 2 + 3
- Coordinated insurance + federal filing
- Maximum potential recovery analysis
- Dedicated case support
- Referral to vetted PA or attorney if needed
Flat-fee pricing available at launch. No percentage of recovery. A flat-fee option will always be available.
From Florida homeowners
Real recoveries. Real people.
"I finally understood what my estimate was missing. The report showed me categories I never would have known to ask about."
"I didn't realize how much my carrier had left out until I saw the comparison. Worth every penny of the flat fee."
"The FEMA walkthrough alone was worth it. I had no idea I qualified — or how to apply without making mistakes."
Outcomes are illustrative of categories investigated. Individual results depend on policy terms, carrier, and claim documentation. ClaimRestored identifies potential missed items — not guaranteed payouts.
Our story
Built by someone who has been through it.
"Hurricane Milton wiped me out in 2024. I rebuilt — and I built this. I know what it's like to sit at your kitchen table with a stack of documents and no idea where to start."
ClaimRestored was founded after I went through the FL insurance claims process myself. I had the resources to navigate it — most homeowners don't. That's the gap I built to close.
The platform is built on 100,000+ FL DFS Civil Remedy Notice records — structured and AI-enriched by a 10-agent pipeline running on Claude Sonnet. No competitor has this structured.
Common questions
What Florida homeowners ask us
Start with what you have.
We'll help organize the next step.
Free for the first 500 Florida storm survivors. No credit card. No commitment. No lawyer required to start.