Public Adjuster Services | Clayem - No upfront cost.<br>Skip to main contentWe work hard to get you the most out of your insurance claim.<br>AI-driven support for policyholders. No initial fees. You only pay when we recover more.<br>Get StartedHow it works
No upfront costContingency only
Why choose usExpert support designed to help your claim succeed
Other firms<br>Minimize payouts<br>Adjusters are trained to find reasons to pay less, not more.
Delay tactics<br>Months of silence, lost paperwork, and repeated requests for documentation.
Complex policy language<br>Pages of exclusions and sub-limits are designed to confuse, not clarify.
With<br>AI policy analysis<br>Every clause, exclusion, and endorsement is analyzed in minutes, not weeks.
Licensed advocacy<br>A vetted public adjuster negotiates directly with your insurer on your behalf.
Full transparency<br>Track every document, offer, and counter-offer in real time from your dashboard.
Claim typesReliable knowledge to tackle your hardest claims.
Fire & Smoke Damage<br>Home fires, wildfires, and smoke damage claims that insurers often undervalue.
Denied or Underpaid Claims<br>Already filed and got denied or lowballed? We reopen the claim and negotiate the difference.
Fallen Tree & Structural Damage<br>Tree strikes and impact damage that compromise framing well beyond the visible hole.
Water Damage<br>Burst pipes, leaks, and sudden water events that cause hidden, costly damage.
Storm & Hurricane Damage<br>Wind, rain, and structural damage from severe storms, tropical systems, and hurricanes.
Roof & Wind Damage<br>Lifted shingles, hail hits, and siding damage that insurers dismiss as cosmetic or wear and tear.
FeaturesBuilt to get the most from your claim.
AI policy analysis<br>Our AI reads your entire policy, every clause, exclusion, and endorsement, and finds what the insurer is missing.
Licensed public adjusters<br>Every case is reviewed and negotiated by a licensed, vetted public adjuster in your state.
Demand letter generation<br>Professional demand packages with policy citations, damage assessments, and comparable settlement data.
Real-time tracking<br>Follow every document, communication, and offer through your personal Clayem dashboard.
Pattern recognition<br>Built on deep insurance claim expertise; we know how each insurer operates and how to counter them.
Contingency model<br>10 to 20% of additional recovery. If we don't recover more than the insurer offered, you pay nothing.
Your dashboardTrack each step of your claim as it happens.<br>Offers, activity, documents, and adjuster communication, all in one place, updated in real time.
app.clayem.com
How it worksOur process for advocating for your claim.<br>Get Started
01<br>Sign engagement agreement (CEA)
Letter of representation (LOR)
Drop files or browse
Policy.pdf<br>Photos.zip<br>Letter.pdf
Upload your claim<br>Describe your situation and upload your policy documents, insurer correspondence, and damage photos. This takes about 10 minutes.
02<br>Licensed public adjuster review
Demand letter approval
100%<br>Analyzing policy<br>42 pages scanned
AI analyzes your policy<br>Our AI checks every clause against your claim, finds any missed coverage, and creates a professional evidence package with policy citations.
03<br>Settlement recovered<br>$50,0003.3x
vs $15,000 initial offer<br>Example for illustration only
We negotiate for you<br>A licensed public adjuster looks over the AI's work, approves the demand letter, and negotiates directly with your insurer until you receive what you're owed.
FeeZero upfront cost. You only pay when we recover additional funds.
Contingency<br>10–20%of extra recovery<br>You only pay on what we recover above your insurer's initial offer. If we don't recover more, you owe nothing.<br>Get StartedState Fees
What's included<br>Full AI policy analysis<br>Licensed public adjuster review<br>Professional demand letter<br>Direct insurer negotiation<br>Real-time dashboard tracking<br>No upfront fees, ever
FAQAnswers to your most common questions.
What does Clayem cost?
What types of claims do you handle?
How does the AI work?
Do I still get a real person?
How long does the process take?
What if my claim was already denied?
From the blogInsights
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Read moreHow to Choose a Public Adjuster Who Will Fight for Your Claim<br>How to choose a public adjuster for a property damage claim: verify the license, understand the fee cap, match experience to your loss, and read the contract before you sign.
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Ready to push back?<br>Upload your claim in 10 minutes. A licensed...