ClaimX is the AI platform built for public adjusters — the professionals who fight the insurance company on the homeowner's behalf. Capture the loss, build the estimate, compare it against the carrier's offer line by line, and draft the briefs that get claims paid.
Built for public adjusters · Tamper-proof, court-ready evidence · Works with Xactimate & carrier portals
When a home is damaged, the carrier doesn't simply pay what the repair costs — it pays what the homeowner can prove, line item by line item, across three to four rounds of supplemental reports that can stretch for months.
The insurance company brings decades of claims automation and AI to that fight. The homeowner brings stress and a folder of photos — and the public adjuster they hire to even the odds. ClaimX is the AI armament for that side of the table.
of claims resolved by the five largest U.S. home insurers last year were paid nothing at all — up from 36% a decade ago.
Source: The Wall Street Journal
ClaimX runs a six-stage pipeline that mirrors the claim itself — and it's a loop, not a line. Every carrier response feeds back in and drafts the next round.
Walk the loss with a phone. Photos, voice notes, and sketches are stamped with time, location, and a cryptographic fingerprint the moment they're taken — tamper-proof from the field.
ClaimX reads everything from the other side — carrier emails, inspector reports, Xactimate files — routes each to the right claim, and catches the failed sends where claims quietly die.
AI pulls every fact into structured form, and each one carries its source and a confidence score — so you always see why the system believes what it does.
One claim, one picture: the home, the policy, the damage, every conversation and decision, and every supplemental round — linked into one queryable record.
Talk through the loss; ClaimX hears the peril, reads the photo, picks the Xactimate line item, compares it to the carrier's offer, and drafts the supplemental and denial-response brief.
Ship on the channels carriers actually accept — portals, signed email, clean ESX files. The reply feeds back in, and the loop drafts the next round automatically.
From the first walk-through to the final supplemental, ClaimX handles the heavy lifting and keeps the whole fight in one place.
Photos, voice notes, and sketches are fingerprinted at the moment of capture — evidence that holds up in appraisal and litigation, not assembled after the fact.
Describe the damage out loud. ClaimX hears the peril, reads the photo, and writes the correct Xactimate line item and code straight into the scope of loss.
Your scope versus the carrier's offer, item by item. ClaimX flags every gap, downgrade, and missed line — so no underpayment slips through.
When the carrier denies or downgrades a line, ClaimX drafts the rebuttal — citing the policy section, the timestamped photos, the building code, even prior rulings on the same language.
A claim isn't a document — it's a months-long argument. ClaimX holds the entire argument, every round, in one queryable record you can ask anything.
Ship on the channels that actually move claims — carrier portals, signed email, and clean ESX files the carrier's own adjuster can ingest directly.
Today the first-pass estimate is six to eight hours of writing by hand — and that's just round one of a multi-round fight. ClaimX collapses the writing to minutes and turns each supplemental round from weeks into days. You don't just write faster — you cycle faster, and cycle speed is what gets homeowners paid.
On average, 60% of claims miss line items that would increase the claim amount. ClaimX surfaces them automatically.
ClaimX reads the line items on an estimate, recognizes the loss scenario, and — drawing on deep industry knowledge — surfaces the additional items that belong with it. Every claim reflects its full, rightful value, with nothing left on the table.
Claims escalate — and ClaimX follows the claim through every stage on the homeowner's side.
Our first and primary user. The licensed professional a homeowner hires to fight the carrier on their behalf — now with AI doing the capture, estimating, comparison, and briefs.
When a claim goes to appraisal or litigation, one locked, court-ready record follows it — and the evidence exports straight into the discovery platforms attorneys already use.
"ClaimX gave my adjusters back their afternoons — and more importantly, put more money in their clients' pockets. It writes the supplemental and surfaces the dollars we'd have left on the table."
Dana Whitfield · Principal, Meridian Public Adjusters
Bring a live file and we'll run ClaimX on it — capture, estimate, line-by-line comparison, and a drafted brief in minutes.
Request a demo