★ Built by someone who lost everything in a fire

The insurance company has a team.
Now you do too.

Your adjuster works for the carrier — and the carrier's first offer is almost never their best. ClaimFair decodes your policy, values every loss, exposes what you're really owed, and writes the dispute letter that gets you paid.

Decode my policy free → See how it works

Free to read your policy One flat fee — no hourly billing Your documents stay yours

The game is rigged by design

You're negotiating the biggest financial event of your life — against people who do it 200 times a week.

The adjuster isn't on your side

Insurance adjusters are paid by — and accountable to — the carrier. Their job is to settle claims for as little as defensibly possible. That's not a conspiracy; it's the business model.

The deadlines are traps

Proof of loss in 60 days. Suit limitations. Sworn statements. Miss one and your leverage — or your whole claim — can evaporate. Most homeowners never even see the clock.

Real help has been out of reach

Public adjusters can level the field — but they're offline, hard to find, and take 10–20% of your entire claim. After a disaster, most people just sign whatever's in front of them.

The gap they're counting on

The difference between their first offer and what you're owed is real money. We make it impossible to ignore.

Document your losses at true replacement cost. ClaimFair lines it up against the carrier's offer and shows the gap — line by line, dollar for dollar.

See your gap →

Sample wildfire claimillustrative

Carrier's first offer$84,000

Documented fair value$182,500

The gap ClaimFair surfaced$98,500

How ClaimFair works

Four steps from lowball to leverage.

Decode your policy

Paste your policy. We surface your real coverage limits, sublimits, and the filing deadlines that matter — plus the ACV traps carriers use to pay you less.

Document every loss

Add your items room by room. ClaimFair calculates true replacement cost vs. the depreciated value adjusters quietly apply — so nothing gets written down.

Expose the gap

Enter the offer. See exactly how far it falls short of what you've documented — and how much depreciation you can still recover.

Fight back

Generate a dispute letter in your policy's own language. Stuck? Escalate to a licensed public adjuster or attorney with your whole file ready to hand over.

Start with my policy — free

What public adjusters typically charge — a cut of your entire claim. ClaimFair is one flat fee.

States (plus D.C.) that license public adjusters — proof this is real, regulated advocacy. We connect you to the licensed ones.

How much more policyholders recovered with a public adjuster on non-catastrophe claims, in a 2010 Florida state study.¹

1. Florida OPPAGA Report 10-06 (2010): median settlement of $9,379 with a public adjuster vs. $1,391 without, on non-catastrophe claims. Figures are gross of fees and reflect Florida hurricane-era claims; results vary and are not a prediction of your outcome.

Why ClaimFair exists

I built this after my house burned down.

When you lose your home, you're handed a second job you never applied for: proving, item by item, what your old life was worth — to a company whose first offer came in tens of thousands of dollars low.

I learned the hard way that the adjuster wasn't there to help me, that the deadlines were quietly ticking, and that the people who could actually level the field — public adjusters — wanted a fifth of my claim and were nearly impossible to find.

So I'm building the thing I needed that week: a tool that reads your policy, values your losses honestly, shows you the gap, and arms you to fight for it — without taking a cut of everything you own. The insurance company has a team. Now you do too.

Get started free Read our story

Pricing that's actually fair

No hourly billing. No cut of your whole claim.

Reading your policy is free, forever. The full toolkit is one flat $99 — less than a single hour with most attorneys, and a fraction of a public adjuster's percentage.

See full pricing →

Questions

The honest FAQ

Is ClaimFair a public adjuster or a law firm?

No. ClaimFair is software that helps you understand your policy, document your own claim, and prepare your own correspondence — plus a service that connects you to licensed public adjusters and attorneys when you want one. We don't negotiate your claim for you or give legal advice.

Will this actually get me more money?

No tool can promise an outcome — anyone who does is lying. What ClaimFair does is make sure you're documented, on time, and arguing from your policy's actual language instead of guessing. That's the foundation every good claim is built on.

What does it cost?

Decoding your policy is free. The complete toolkit — loss documentation, the offer-gap engine, your dispute letter, and pro escalation — is a one-time $99. There's also an optional win-fee plan where we only get paid if you recover more.

Is my data safe?

Your policy and inventory belong to you. We'll never sell your data, and you can export or delete it anytime. Your account and claim are stored securely in the cloud.

The insurance company has a team.Now you do too.