The Reaper is fetching your records…
How it works
Everything in writing. Nothing on the phone.
The homeowner files the claim with their insurance company. You send the invoice. Claims Reaper drafts the paperwork and every follow-up. You review and send each one by email until you are paid.
Crew photo uploadOak on roof, 14 Birch Ln
Start here
Your crew uploads the photos.
Every claim gets its own QR code and link. Your guys are already on site with phones in their pockets, so let them shoot the before, during and after.
- Show them the QR on your phone, or text them the link.
- They shoot from their own phone. No app, no login.
- Photos land in the claim already sorted and numbered, in the order they were shot.
Step by step.
- 1
Contract
Start with the signed work authorization for the job. Drop it into the claim chat and the app reads the parties, the address and your payment terms from it.
- 2
Invoice
Your price is your price. The invoice goes out as written, with a plain-English reason for every hour, every machine and every crew member on it.
- 3
Billing Statement
Only when it applies: if the invoice runs past due and your contract allows late fees, a statement shows the balance with the fees added.
- 4
JCB / Comparables
A job cost breakdown (JCB) of the work, plus comparable invoices from other jobs if you have them. They show your price is in line with what the work costs.
- 5
NOAA Storm Evidence Report
Recorded wind and weather for the address on the day of the loss, pulled from NOAA’s public Storm Events Database.
- 6
Field Photos
Numbered, captioned photos of the tree, the damage and the work, before, during and after. Adjusters pay for what they can see.
Tip: your crew can upload them. Show them the claim’s QR code or text them the link, and they shoot from their own phones. No app, no login. The app sorts and numbers them for you.
- 7
W-9
Your company W-9, so the carrier has what it needs to cut the check.
Then
Send it, follow up, get paid.
Send it by email
Everything goes to the carrier in one email from the claim's own email address, and every reply lands in the claim's comms log. You get a copy in your own inbox and can reply right from there.
Follow up on a schedule
If the carrier goes quiet, you get a reminder and a follow-up email ready to send. If they pay less than your invoice, the next email is ready too. You approve each one with a tap.
Get paid
Log the check when it lands. The claim moves to Paid, then Closed, and the folder stays as your record.
Action Board
Every claim sits in one of seven places. Glance at the board and you know what needs you and what is waiting on them.
- 1
Gather docs
Photos, invoice and contract are coming together. The chat asks for what is missing.
- 2
Submitted
The package went to the adjuster by email, homeowner copied.
- 3
Waiting on adjuster
The clock is running on their written reply. You get a reminder if it goes quiet.
- 4
Offer received
The carrier answered with a number. The file shows how it compares to your invoice.
- 5
Offer disputed
The offer is short of your invoice. A follow-up asking them to show in writing what they cut and why is ready to approve.
- 6
Paid
Check in hand. Log it and the balance updates.
- 7
Closed
Done. The folder stays as your record.
Questions tree companies ask
Pick your state above to see the rules that apply to the property.
Do I need a computer?
No. The whole thing runs on your phone. Photos, voice and the board all work in your phone's browser.
What if I have no signal on the job?
Add Claims Reaper to your home screen (tap “Use offline” at the bottom left). With no signal it still opens, and the chat answers common storm, claim and Florida-rules questions from stored answers, each marked as stored. On spotty signal, flip the Offline switch to get those answers right away. Anything that touches your claims, like photos, the board and drafting emails, needs a connection.
Can the assistant give better answers on a hard claim?
Every account can pick a performance mode in the chat. Basic is included on every plan. The stronger modes give better answers on hard claims and use your weekly allowance and credits faster: Strong 2x, Expert 3x, Max 5x, God Mode 8x. On Basic Automatic without credits you get 3 free questions each on Strong and Expert and 1 each on Max and God Mode. After that the chat goes back to Basic until you add credits.
Who files the claim?
The homeowner files the claim with their own insurance company, like always. Claims Reaper helps you send the carrier a complete invoice package and keeps the follow-ups going.
Do you talk to the adjuster for me?
While we can't legally talk to an adjuster for you, we can tell you what we would say if we were in the same scenario. Every reply is written so you can copy and paste it straight into your own email.
What if the insurance company pays less than my invoice?
Most cuts don't come from missing paperwork. They come from adjusters not properly understanding the documentation, the legal definition of a “reasonable cost” and how it's determined (Xactimate isn't in the policy, and neither is a TPA like HMI), or the rules and regulations that apply. We're happy to help explain them. The next email is ready too: it asks the carrier to show, in writing, which part of your invoice they are disputing and why.
Does the homeowner still owe me?
Yes. The homeowner is your customer and the invoice is theirs to pay. The claim package helps their insurance company pay it. Collect the deductible like you always do.
Try it for free.
Free to start. Your sign-in link comes by email.