How it works
One claim is a persistent workspace, not a one-time report. Software calculates; AI interprets. Dollar figures and citations that leave the system come from stored records.
Step 1
Stage 1 — Free instant check
Upload the CCC or Mitchell PDF. Extraction and the deterministic rule engine run only. You see material findings such as undocumented condition adjustments, stale comps, or missing tax and fees. If nothing fires, we say so plainly and stop.
Step 2
Stage 2 — Full review
Market comparables, independent valuation using the insurer's methodology, evidence collection, and a dispute package labeled Independent Total-Loss Valuation Review. In Mode B (default), you send under your own name. Representation is jurisdiction-flagged and off until licensed review unlocks it.
Step 3
Stage 3 — Escalation paths
If the claim needs a credentialed appraiser or a lawyer, Reclaim surfaces the procedural options — appraisal clause on first-party policies, department of insurance complaint paths, and partner handoffs where appropriate.