Property-loss terms, explained clearly.

A property-loss recovery workspace and professional opportunity marketplace. Property owners organize records and next steps; reviewed professionals discover relevant opportunities. ClaimVia.net is not an insurance carrier, law firm, public adjusting firm or contractor.

Where you may see it

Platform pages, emails and agreements you sign with professionals you meet here.

In a Recovery Workspace

The workspace itself — everything you organize lives inside it.

When professional review helps

Never needed for the platform itself; the work you coordinate through it often benefits from professional review.

A private, role-based workspace for one property-loss situation. Holds loss details, documents, photos, appointments, messages, proposals and next steps.

Where you may see it

Your dashboard after signing up, and in any invitation you send to a professional.

In a Recovery Workspace

This is the container for the loss — one workspace per loss event.

When professional review helps

Once you are ready to compare proposals or interpret an estimate.

The document storage area of a Recovery Workspace. Holds policies, correspondence, estimates, invoices, photos and agreements, organized by category and recovery stage. Also called the document vault.

Where you may see it

In your workspace navigation, and when a professional requests documents.

In a Recovery Workspace

Where every uploaded record is filed and shared under your permissions.

When professional review helps

When deciding which records a specific professional should be allowed to see.

A professional whose application and profile information have been reviewed by ClaimVia.net for marketplace visibility. Review is not a guarantee of quality, availability or outcome.

Where you may see it

Professional profiles and directory listings.

In a Recovery Workspace

Reviewed professionals may appear when you look for help or receive proposals.

When professional review helps

Always confirm licensing and terms directly before engaging anyone.

A narrower status than reviewed: a specific license number, bar admission or jurisdiction has been separately checked. Coverage of verification varies by professional and by state.

Where you may see it

Profile badges and the "Verified Only" filter on Find Experts.

In a Recovery Workspace

Helps you narrow the professionals you invite into a workspace.

When professional review helps

Verify current standing with the state regulator for high-value engagements.

A professional's written offer describing scope, fees, timing and deliverables for work on your loss. Submitting a proposal creates no obligation for either side.

Where you may see it

Your workspace proposals area and professional messages.

In a Recovery Workspace

Proposals are stored side by side so they can be compared on the same terms.

When professional review helps

Before accepting — especially fee structure and scope exclusions.

The working relationship after a property owner selects a professional. The agreement is directly between the two parties; ClaimVia.net is not a party to it.

Where you may see it

Engagement agreements and your workspace engagement view.

In a Recovery Workspace

Tasks, documents, messages and appointments group under the engagement.

When professional review helps

Before signing any agreement that creates a financial or legal obligation.

A state-licensed insurance professional who represents policyholders — not carriers — in property damage claims, under a separate written representation agreement.

Where you may see it

Directory listings, proposals and representation agreements.

In a Recovery Workspace

May request documents, add estimates and coordinate inspections with you.

When professional review helps

Confirm the license with your state Department of Insurance before signing.

A licensed construction professional who repairs, restores or rebuilds damaged property under a separate written agreement with the property owner.

Where you may see it

Repair estimates, scope documents and change orders.

In a Recovery Workspace

Estimates and scope records attach to the loss for comparison.

When professional review helps

Before signing a repair contract or approving a change order.

A licensed lawyer who may assist with denied or underpaid claims, coverage disputes or litigation. Attorneys act under bar rules and a separate attorney-client agreement. ClaimVia.net is not a law firm.

Where you may see it

Attorney profiles, consultations and engagement letters.

In a Recovery Workspace

May review authorized documents and a matter chronology you share.

When professional review helps

Any time legal rights, deadlines or a denial are in question.

A professional who evaluates the dollar value of damage or loss, including participation in a policy's appraisal process where that clause applies.

Where you may see it

Appraisal correspondence and valuation reports.

In a Recovery Workspace

Valuation reports are stored with the estimates they relate to.

When professional review helps

When you and a carrier disagree on the amount rather than coverage.

A licensed professional engineer who may assess structural damage, cause and origin, or technical scope questions on a property loss.

Where you may see it

Engineering reports and inspection findings.

In a Recovery Workspace

Reports attach to the loss alongside photo evidence.

When professional review helps

For structural, foundation or disputed-causation questions.

A financial professional who quantifies business income loss, extra expense or other financial damages related to a loss.

Where you may see it

Commercial claim correspondence and financial exhibits.

In a Recovery Workspace

Financial summaries are organized with the commercial loss records.

When professional review helps

For commercial losses involving business income or extra expense.

The summary page of an insurance policy listing named insureds, property, coverage parts, limits, deductibles and the policy period.

Where you may see it

The front pages of your policy and renewal documents.

In a Recovery Workspace

Usually the first document worth uploading to the records vault.

When professional review helps

When limits, deductibles or endorsements are unclear.

Policy language describing something the policy does not cover. Whether an exclusion applies to a specific situation is determined by the carrier and, where disputed, through legal or appraisal processes — not by ClaimVia.net.

Where you may see it

Policy forms, endorsements and coverage decision letters.

In a Recovery Workspace

C-Via can help locate and organize exclusion language for discussion.

When professional review helps

Whenever an exclusion is cited in a denial or partial payment.

Obligations a policy places on the insured after damage occurs — such as prompt notice, protecting property from further damage, and cooperating with the carrier's investigation.

Where you may see it

The conditions section of the policy and carrier letters.

In a Recovery Workspace

Related dates and requirements can be tracked as next steps.

When professional review helps

Early, so time-sensitive obligations are not missed.

A formal, often sworn statement describing the nature and extent of a claimed loss. Many policies require it within a stated timeframe.

Where you may see it

Carrier requests and policy conditions.

In a Recovery Workspace

Supporting records and photos are gathered from the vault.

When professional review helps

Before submitting, if the amounts or descriptions are complex.

Coverage that may pay reasonable additional costs when a home is not habitable after a covered loss, subject to the policy's limits, timeframes and conditions.

Where you may see it

The policy's loss of use section and reimbursement correspondence.

In a Recovery Workspace

Receipts and expense records can be organized as they accumulate.

When professional review helps

When limits, eligible categories or timeframes are unclear.

A line-item breakdown of what needs repair or replacement and its priced quantity. The scope describes the extent of damage the estimate is built on.

Where you may see it

Carrier estimates, contractor quotes and supplements.

In a Recovery Workspace

Estimates sit next to the photo evidence supporting each area.

When professional review helps

When two estimates differ materially in scope or quantity.

C-Via — Your ClaimVia.net AI Recovery Guide. C-Via helps locate, summarize and organize information in your workspace. C-Via does not determine coverage, interpret legal rights or replace review by a qualified professional.

Where you may see it

Assisted features inside the workspace.

In a Recovery Workspace

Helps organize records and surface questions worth asking.

When professional review helps

Before acting on anything C-Via surfaces about coverage or rights.

A deliberately limited access phase. Property owners may create workspaces; professionals and attorneys apply for early marketplace participation.

Where you may see it

Early-access pages and invitation emails.

In a Recovery Workspace

Some marketplace features may be limited while the beta continues.

When professional review helps

Not applicable.