For independent adjusters

More files closed from the same photos

When the fee follows the loss and not the hours, every hour spent typing contents lines comes out of your day. ClaimTime drafts a sourced line from each photo, with depreciation and ACV, so contents stops holding up the file on daily claims and CAT deployments.

The building scope is done. The contents list isn't.

Flat fee schedules pay by gross loss band, with building and contents counted together. The hours a contents list takes are yours to absorb, claim after claim.

The manual way

• Type each contents line after the inspection, often after hours.
• Price items one search at a time, then do it again on the next file.
• Set ages and depreciation line by line in a spreadsheet.
• Rebuild the export for each carrier's reviewer.

With ClaimTime

• Upload the inspection photos: each becomes a drafted line, filed in its room.
• Up to three new-retail sources per item, with links a desk reviewer can open.
• Set ages, apply depreciation per item, in bulk or claim-wide, and see ACV on every line.
• Export an Excel workbook, an HTML report or a claim package from the same data.

More claims, fewer adjusters

Catastrophe seasons keep producing claims by the hundred thousand while the independent adjusting workforce shrinks. Published figures, not ClaimTime's results.

• 789,066 claims filed in Florida after Hurricane Ian ($22.2 billion in estimated insured losses (as of March 2025).) [1]
• 41,727 claims after the 2025 Los Angeles wildfires ($25.2 billion paid as of July 2026.) [2]
• -21% payroll jobs at independent claims-adjusting firms in a year (From 63,200 in July 2025 to 49,700 in July 2026. Self-employed adjusters aren't counted.) [3]
• $625–$2,050 the flat flood-program fee for gross losses up to $50,000 (Paid by loss band, building and contents together, whatever the hours.) [4]

Florida's claim counts are the regulator's unaudited data. Fee schedules vary by carrier and firm; the flood program's is one public example.

More claims from the same week

Set your own numbers and see how many contents hours a month you could get back, and how many more claims those hours could cover. Your estimate, not a promise.

The same structure on every claim

Every claim has rooms, and every line has a title, description, category, quantity, price, source and, once applied, depreciation and ACV. The fields don't change from adjuster to adjuster, so a reviewer reads every file the same way.

Column View puts the pricing breakdown and the source listings next to each line, so the math and the evidence are checked in one pass.

• Price × quantity = RCV on every line
• Depreciation and ACV beside it
• See AI contents inventory

Every claim in one list

My Claims lists every file with its client, total RCV, status and team. Filter by status, search by claim number or name, and sort by value or date when the deployment gets busy.

Statuses move from New to In Progress, Approved and Closed, so you see at a glance what still needs work.

• Status tabs and search
• Total RCV per claim
• See Claim workspace

From the loss site to the desk review

Photos from your phone

Upload from the inspection, or take photos in your phone's browser, room by room. Each photo is analyzed into a line.

Rooms measured by scan

Scan a room with the ClaimTime iPhone app for floor, wall and ceiling square footage. See Sketch & room scans.

The insured's own list

Import a spreadsheet or PDF the insured wrote. Each line becomes an item, priced like a photo.

Depreciation your way

Age × yearly rate with a cap, flat or by category, applied per item, in bulk or claim-wide. See Depreciation manager.

Questions from independent adjusters

How is usage charged?

Each photo analysis, or imported inventory line, uses 1 Time Token at your plan's rate. Exports use none. See pricing.

Can I try it on a real claim first?

Yes. A free account comes with 50 starter Time Tokens, enough for 50 photo analyses, and needs no card.

Can several adjusters share a claim?

Yes. On a business account, teammates share claims across workspaces, each with the role you give them: Owner, Admin or Member.

Does the carrier approve items in the portal?

No. On Pro, the carrier portal lets the carrier view the items and documents you share, message, upload, propose edits and sign. Carriers don't approve items or download exports.

Which export does the reviewer get?

Your choice: an Excel workbook, an HTML claim report, or a claim package with one combined PDF and one Excel file. Every line keeps its quantity, price and source.

Keep exploring

• AI contents inventory: Photos become line items, organized room by room for your review.
• Depreciation manager: Depreciation and ACV worked out from the assumptions you set.
• Reports & exports: An Excel workbook, an HTML claim report and a combined claim package.

Sources

1. Florida Office of Insurance Regulation, Hurricane Ian claims data (as of March 4, 2025; unaudited). https://floir.gov/home/ian
2. California Department of Insurance, Wildfire Claims Tracker: 2025 Los Angeles wildfires (as of July 6, 2026). https://www.insurance.ca.gov/01-consumers/180-climate-change/Wildfire-Claims-Tracker.cfm
3. U.S. Bureau of Labor Statistics, Current Employment Statistics: all employees, claims adjusting (NAICS 524291), seasonally adjusted. Percentage change calculated by ClaimTime. https://data.bls.gov/timeseries/CES5552429101
4. FEMA, NFIP Bulletin W-22007: Standard Adjuster Fee Schedule (2022). https://agents.floodsmart.gov/sites/default/files/bulletins/W-22007/w-22007.pdf
5. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, 13-1031 in Other Insurance Related Activities (NAICS 524290), May 2025: mean wage $36.19 an hour (calculator default). https://www.bls.gov/oes/current/oes131031.htm