Insurance Claims Clearinghouse
Stop losing money on every insurance claim
Adjusters underpay by 35-50%. ClaimRelay catches what they miss, tracks every deadline that costs you money, and shows you carrier behavior no one else can see. Built for restoration companies.
The Problem
The claims process is designed to slow you down
Insurance carriers profit from delays. Adjusters underscope by design. The system rewards contractors who don't push back. Here's what that costs you.
44days
Average time to payment
What it costs you
The longest since tracking began. Every day unpaid is cash flow you can't reinvest.
What ClaimRelay does
ClaimRelay tracks every deadline and sends alerts before money expires.
35-50%
Revenue left on the table
What it costs you
Adjusters write initial estimates at 50-65% of actual scope. Most contractors accept it.
What ClaimRelay does
AI scans your estimate against IICRC standards and flags every missing line item.
20-30%
Of jobs need supplements
What it costs you
Hidden damage, code upgrades, and underscoped line items mean thousands left on the table per job.
What ClaimRelay does
AI flags missing line items and generates supplement packages with IICRC-referenced justification.
0
Visibility into the carrier
What it costs you
You don't know where your claim is, who's reviewing it, or when to expect a decision.
What ClaimRelay does
Carrier intelligence shows payment patterns, approval rates, and review timelines.
Platform
Everything you need to get paid what you're owed
Pre-Submission Audit
Before you click submit, ClaimRelay checks every document, every carrier-required field, and every line item. Missing photos flagged. Wrong formatting caught. Suspicious quantities blocked. Win the fight before it starts. Adjusters cannot cut what you documented cleanly the first time.
Carrier-Specific Formatting
USAA wants XactAnalysis notes with per-line-item photos and approval before work. State Farm wants tight justifications. Allstate photo-anchors everything. Erie wants clean collaborative scope. ClaimRelay bundles each submission the way that carrier expects, automatically. No more guessing which format the adjuster wants.
AI Supplement Detection
Upload your Xactimate estimate. AI scans it against IICRC standards and flags commonly missed line items by loss type: antimicrobial, content manipulation, detach-and-reset, equipment charges, code upgrades. Per-carrier recommendations with justification text ready to submit.
Deadline Tracking
Depreciation recovery countdowns, state prompt payment law enforcement, supplement response timelines, mortgage endorsement tracking. All 50 states seeded. Get emailed when a carrier misses a state-mandated deadline. That is your leverage.
Estimate Comparison
Your estimate next to the adjuster's, line by line. Every removed item flagged. Every reduced quantity caught. The exact dollar gap calculated. One click to generate the supplement.
Electronic Submission
Submit estimates and supplements to carriers with AI-generated cover letters referencing IICRC standards. Formatted, professional, trackable. Follow-up reminders set automatically.
Developer API
REST API with 25+ endpoints so restoration management software can integrate programmatically. API keys, webhooks, per-transaction billing. Built for DASH, PSA, Albiware, and Xcelerate.
Process
From damage to deposit
Verify
Property details, flood zone, risk flags, and coverage estimates. Upload a dec page and AI extracts every limit and endorsement.
Analyze
Upload your Xactimate estimate. AI flags missing antimicrobial, equipment charges, content manipulation, code upgrades, and more.
Compare
Your estimate vs the adjuster's. Every line item, every dollar. Auto-generate the supplement with IICRC references.
Collect
Track deadlines, payments, mortgage releases. Carrier intelligence shows you what to expect. Get paid faster.
Developer API
Built for integration
REST API with JSON, API key auth, webhooks, and per-transaction billing. Restoration management software can submit claims, run AI analysis, and track payments programmatically.
25+ endpoints, JSON request/response
Live and test mode API keys
11 webhook event types with HMAC signatures
Interactive API reference with examples
# Create a claim
curl -X POST /api/v1/claims \
-H "Authorization: Bearer cr_live_..." \
-d '{"claim_number":"CLM-001",
"insured_name":"John Smith",
"loss_type":"water"}'
# Run AI supplement analysis
curl -X POST .../ai-analysis
{ "flagged_count": 7,
"total_impact": "$4,200 - $8,900" }
Frequently Asked Questions
What is ClaimRelay?+
ClaimRelay is a SaaS platform where restoration contractors track every insurance claim from first notice of loss to final payment. It parses Xactimate estimates, uses AI to flag missing supplement line items against IICRC standards, tracks state-mandated carrier response deadlines for all 50 states, and provides carrier intelligence data including supplement difficulty rankings for every major insurer.
How does AI supplement detection work?+
Upload your Xactimate ESX file. ClaimRelay parses every line item and sends them to AI for analysis against IICRC S500 (water damage), S520 (mold), and standard restoration scope. The AI identifies commonly missed items like antimicrobial application, content manipulation, detach and reset items, equipment charges, and code upgrades. Recommendations are tailored to each carrier. Professional supplement teams increase approved amounts by 30%+ on average.
What carriers does ClaimRelay support?+
ClaimRelay includes intelligence profiles for 20+ carriers: State Farm, Allstate, USAA, Liberty Mutual, Farmers, Nationwide, Travelers, American Family, Erie, Progressive, and more. Each profile includes supplement difficulty ranking (easy to hardest), carrier-specific submission requirements, estimating software (Xactimate or Symbility), managed repair network details, and portal links.
How does state compliance deadline tracking work?+
ClaimRelay is pre-loaded with state-mandated insurance response timelines for all 50 states. For example, Texas requires carriers to acknowledge claims within 15 business days, decide within 15 business days, and pay within 5 business days of approval. When a carrier misses any deadline, you get an alert with the exact violation and days past due. This is documented evidence for escalation calls.
What is depreciation recovery tracking?+
On replacement cost value (RCV) policies, the carrier withholds recoverable depreciation until repairs are completed and documented. The recovery window is typically 180 days to 2 years. ClaimRelay tracks this deadline for every claim and alerts you before it expires. Contractors who miss this deadline lose the holdback permanently. The average restoration claim has thousands in recoverable depreciation.
Does ClaimRelay integrate with JobNimbus?+
Yes. ClaimRelay has a built-in JobNimbus integration that syncs jobs, contacts, and status updates bidirectionally. Connect your API key in Settings and ClaimRelay imports your existing jobs as claims with proper status mapping, contact info, and address data.
Can adjusters access claims through ClaimRelay?+
Yes. ClaimRelay includes an adjuster portal accessible via share link. Adjusters can view claim status, photos, documents, and line items. They can send messages (with read receipts), request specific information, and take actions on supplements. This eliminates the email and phone tag cycle that delays claims.
How much does ClaimRelay cost?+
ClaimRelay starts at $99/month for the Starter plan (1 user, 20 active claims). The Professional plan ($249/month) includes 5 users, unlimited claims, AI analysis, and exports. Enterprise ($499/month) adds unlimited users, API access, and priority support. AI supplement analysis is $0.50 per claim on top of your plan.
Stop leaving money on the table
Every claim you track makes the platform smarter. Every supplement you catch is money recovered. Start free.
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