Simple, Transparent Pricing

Choose your claim recovery toolkit. Every tier includes AI intelligence. The difference is how much we do for you.

Which plan is right for me?

Do you have flood damage?

Do you want full representation by a licensed adjuster?

What's your estimated claim value?

Free

Foundation — No signup fee

Best for: Checking if your claim is worth pursuing

$0
Get Started

Claim Intelligence

  • Free claim check (3 fields)
  • Underpayment probability
  • Fair value estimate
  • Insurance carrier risk profile
  • Scope-of-loss document

Federal Assistance

  • FEMA eligibility check
  • SBA disaster loan guidance
  • Federal strategy routing

Support

  • Help center access
  • Email support
  • Licensed PA advocacy

Insurance

Insurance optimization — AI-powered

Best for: Wind-only claims under $100K

$249
Choose Insurance

Claim Intelligence

  • Free claim check (3 fields)
  • Underpayment probability
  • Fair value estimate
  • Insurance carrier risk profile
  • AI-generated scope-of-loss
  • Demand letter (template)
  • Negotiation coaching

Federal Assistance

  • FEMA eligibility check
  • SBA disaster loan guidance
  • Federal strategy routing

Support

  • Email support (48h response)
  • Self-file guidance
  • Licensed PA advocacy

Gov

FEMA + SBA recovery — Federal stack

Best for: FEMA/SBA applications only

$249
Choose Gov

Claim Intelligence

  • Free claim check (3 fields)
  • Underpayment probability
  • Fair value estimate
  • Insurance carrier risk profile
  • Scope-of-loss document

Federal Assistance

  • FEMA IA eligibility check
  • SBA disaster loan strategy
  • Federal routing & sequencing
  • FEMA application guidance
  • SBA appeal coaching

Support

  • Email support (48h response)
  • Self-file guidance
  • Licensed PA advocacy
⭐ Most Popular

Complete Bundle

Everything — All three programs combined

Best for: Most Florida homeowners with hurricane damage

$399
Choose Bundle

Claim Intelligence

  • Free claim check (3 fields)
  • Underpayment probability
  • Fair value estimate
  • Insurance carrier risk profile
  • AI-generated scope-of-loss
  • Demand letter (template)
  • Negotiation coaching

Federal Assistance

  • FEMA IA eligibility check
  • SBA disaster loan strategy
  • Federal routing & sequencing
  • FEMA application guidance
  • SBA appeal coaching

Support

  • Email support (48h response)
  • Self-file guidance
  • Licensed PA advocacy

Expert Assist

Insurance negotiation accelerator

Best for: Complex claims needing senior adjuster review

+$149

Add-on to any tier

Add to Tier

Senior Adjuster Review

  • Senior adjuster file review
  • Direct insurer negotiation
  • Appraisal preparation
  • Counter-offer analysis
  • Phone support (24h response)

Scope & Documentation

  • Professional scope review
  • Photo documentation guidance
  • Contractor bid coordination

Timing & Deadlines

  • Florida statutory deadline tracking
  • RFI response coaching

Full Advocate

Complete PA representation — contingency model

Best for: Large claims ($200K+) or carrier bad faith

$499 + 5%

+ 5% on incremental recovery only

Choose Advocate

AI-Powered Representation

  • Full claim documentation (AI)
  • Professional scope-of-loss
  • Demand letter (signed PA)
  • Carrier negotiation (AI + PA)
  • Appraisal management

Licensed PA Support

  • Licensed PA case supervision
  • Phone support (4h response)
  • Bad faith analysis
  • Settlement review & approval

Recovery & Fees

  • $499 flat service fee
  • 5% contingency on recovery above initial offer
  • NO contingency on FEMA/SBA
  • Maximum transparency on all fees

Why Disaster Survivors Choose ClaimRestored

AI-Powered Analysis

Our 10-agent AI pipeline scores every carrier's bad-faith history before you file.

Proven Results

Founder's own claim: $23K offer → $623K recovered. 27x the initial bid.

Deadline Tracking

Never miss a Florida statutory deadline or NFIP 60-day hard limit again.

Frequently Asked Questions

What's the difference between Insurance and Bundle?

Insurance ($249) handles your carrier negotiation only. Complete Bundle ($399) includes Insurance PLUS FEMA IA and SBA disaster loan guidance — capturing all three recovery pathways. Bundle saves $50 vs buying tiers separately.

When should I choose Advocate over Bundle?

Choose Advocate ($499 + 5%) when you want us to manage your claim end-to-end AND your carrier is resisting. We handle all documentation, negotiation, and appraisal management with licensed PA oversight. The 5% contingency only applies to insurance recovery above your initial offer — FEMA and SBA are never contingent.

Can I add Expert Assist to any tier?

Yes. Expert Assist (+$149) adds a senior adjuster to your file for direct insurer negotiation, appraisal prep, and counter-offer analysis. Works with Insurance, Gov, Bundle, or as standalone. Total cost: your tier + $149.

Is the 5% contingency on Advocate guaranteed?

The 5% applies ONLY to insurance recovery above your initial offer. If your carrier's initial offer is $50K and we recover $100K total, the contingency is 5% × $50K = $2,500. FEMA and SBA recovery are never contingent. You pay $499 flat regardless.

Can I switch tiers after I've started?

Yes. If you buy Insurance but later realize your claim qualifies for FEMA, upgrade to Bundle. Your existing analysis carries forward; you pay the difference.

Every claim tells a story. Let us help you get the full recovery.

United Policyholders partners with ClaimRestored to put AI-powered claims advocacy within reach of every disaster survivor.

Check Your Claim — Free →