About ClaimCure
Independent restoration cost auditing, helping homeowners check restoration estimates against published price ranges.
Our Mission
ClaimCure exists because homeowners deserve an independent advocate when dealing with restoration contractors and insurance companies. The restoration industry is opaque by design: estimates use technical codes, damage is visible but hard to scope, and the work happens during the most stressful moments of a homeowner's life.
ClaimCure is an independent guide that explains how restoration estimates are built, so homeowners know which questions to ask. It does not set prices and it is not a contractor or an insurer.
The Problem We Solve
Restoration estimates are hard for homeowners to read, and unclear fees or above-range pricing can raise deductibles and out-of-pocket costs. Homeowners can pay the price through higher deductibles, increased premiums, and out-of-pocket costs for services they never needed.
Ghost Fees
Ghost fees are charges added to restoration estimates that have no corresponding Xactimate code and provide no legitimate service. Examples include "Emergency Access Fees," "Moisture Monitoring Surcharges," and "Decontamination Certification Fees." These fees can raise the total of an estimate without any matching work.
Inflated Xactimate Rates
Xactimate publishes standard rates for every restoration task. Some contractors charge well above the standard rates, and many homeowners do not check the math. Comparing each line item to a published rate is a simple way to spot it.
Scope Inflation
Scope inflation means billing for more work than was actually needed or performed. This includes demolishing materials that could have been dried in place, replacing equipment that needed only minor repair, and treating undamaged areas as if they were affected.
Insurance Adjuster Alignment
Some restoration companies have relationships with insurance adjusters that benefit both parties at the homeowner's expense. Adjusters accept inflated estimates, policyholders pay higher deductibles, and both the contractor and insurer benefit. ClaimCure gives homeowners an independent data point to challenge these arrangements.
Our Methodology
ClaimCure's analysis is based on three data sources:
- Xactimate National Rate Database - The industry-standard pricing tool for restoration estimates. Contractors and insurers commonly use it, and its pricing is licensed software we do not republish.
- Cost-of-Living Index - National rates adjusted for each city using Bureau of Labor Statistics cost-of-living data. A restoration job in San Francisco costs more than the same job in Memphis - our benchmarks reflect that.
- Ghost Fee Registry - Plain-language descriptions of the add-on fees homeowners most often ask about, so you can ask your contractor what each one covers.
Use these sources to compare your estimate line by line and ask your contractor to explain any charge that has no matching work or code.
Our Independence
ClaimCure is not affiliated with any restoration contractor, insurance company, or insurance adjuster organization. We have no referral relationships with contractors. Our revenue comes exclusively from homeowners who pay for audits.
We will never recommend a specific contractor. We will never accept payment from a contractor for referrals. Our only interest is in giving homeowners accurate information about what their restoration should cost.
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