Clayem
Reads your insurance policy and denial letter, and tells you if it's worth fighting.
Clayem reads your policy, denial letter, and contractor estimates, then answers questions like a public adjuster would — citing the exact page that backs up each answer and flagging deadlines before they pass. It costs $149 flat per case, against the 10-20% a public adjuster takes or the roughly one-third an attorney charges on contingency, and the first week is free with no card. It also compares your insurer's estimate against your contractor's quote line by line to find what's missing. Clayem says it doesn't train AI on your uploads and lets you delete your files anytime, but it's meant to prepare your case, not replace a human adjuster if you need one.
What holds up
- +Every answer cites the exact policy page or document it came from — not a black-box guess.
- +$149 flat per case versus 10-20% of payout to a public adjuster, or roughly a third to an attorney.
- +1 week free trial, no card — see your case analysis before paying anything.
- +Says it doesn't train AI on your uploads and lets you delete files anytime.
Mind the limits
- −$149 per case comes on top of whatever a public adjuster or attorney charges if you still need one.
- −Needs your policy and claim documents uploaded — nothing to evaluate without them.
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