Consumer Recovery Operating System
Your insurance claim was underpaid. Here’s what to do next.
ClaimOtter organizes your evidence, scores your file, and drafts a regulator-ready complaint — free to build, free to file yourself.
recovered for Colorado consumers in a single fiscal year
Source: Colorado Division of Insurance annual report
of insured homes file a claim every year
Source: Industry P&C claim-frequency data
what firms pay for a mere signed personal-injury lead
Source: Legal-marketing lead-cost benchmarks
01 — Score
File Completeness Score
A three-layer adaptive score — universal basics, case-type expectations, confidence modifiers — that tells you exactly what's missing and why it matters. It is never a legal-merit score.
GETTING STARTED → ATTORNEY REVIEW READY
02 — Timeline
Litigation Timeline
Statute-of-limitations countdown, DOI response deadlines, ACV/RCV payout windows, and bad-faith accrual markers, drawn as one continuous chronology.
DEADLINES DO NOT WAIT
03 — Packet
Attorney-Ready Packet
Certified policy, both estimates, denial letter, photo set, document-built chronology, and your approved narrative — bound into a single litigation-ready file.
THE MOST COMPLETE FILE AT INTAKE
“We don’t sell leads. We deliver litigation-ready files.”
Attorneys at $300–$400 an hour spend hours assembling a case by phone. ClaimOtter ends that: a certified policy, both estimates, a denial letter, photographs, a document-built chronology, and the homeowner’s own approved words — already organized, already submitted to the regulator.
From claim chaos to complaint power.
01
Organize
Upload everything. AI classifies each document into one of 13 case-file categories.
02
Score
The File Completeness Score tracks what's in and what's missing, in real time.
03
File
An AI-drafted, evidence-cited DOI complaint you review, edit, and approve.
04
Escalate
Self-submit for free, or hand off — with your consent — to a partner attorney.
Gated by law.
Delegated filing, referral mechanics, contractor incentives, and premium features are all controlled by a per-state compliance engine — not hardcoded into the product. Nothing ships until the regulatory posture of that state is verified.
- States researched
- 50
- Minimum independent sources per state
- 2
- Unverified states shipped as guesses
- 0
- Forbidden fee-sharing patterns
- Lint-blocked in CI