copayee.com

What It Is

CoPayee is an AI tool built specifically to handle co-payee endorsement issues on U.S. insurance claim checks. When a check lists the homeowner, contractor/public adjuster, and mortgage company at the same time, the funds often get stuck in the mortgage servicer’s loss draft process. CoPayee is not positioned as a bank, insurer, or law firm; instead, it helps users prepare and submit the documents required by the servicer more quickly.

Core Capabilities

Its AI capabilities are mainly powered by Anthropic Claude Vision: it reads the front and back of checks, extracts payees, amounts, claim numbers, addresses, MICR data, and AND/OR relationships, then matches the mortgage servicer and generates cover letters, loss draft affidavits, and pre-filled forms. The product also includes a servicer loss draft database, e-signature invitations, audit trails, an AI claim assistant, and claim pipeline tracking. For public adjusters and restoration contractors, this can reduce the time spent repeatedly searching for forms, supplementing documents, and chasing signatures.

Pricing and Trial

Starter is free, but only for verified contractors and public adjusters, with a limit of 1 lifetime claim and 1 document package. Pro costs $199/month and includes 15 claims, with overage at $25 each. Scale costs $499/month and includes 50 claims, with overage at $15 each. Enterprise pricing is custom and includes API access, SSO, SLA, and dedicated support. Homeowners can buy a one-time DIY Claim Kit for $49. Paid plans come with a 14-day trial, and the official website says users can start on the free tier without a credit card.

Pros and Cons

Its strengths are that it targets a very specific scenario and combines OCR, a servicer rules database, document generation, e-signatures, and status tracking into an end-to-end workflow. Its pricing and usage limits are also relatively transparent. The limitations are also clear: its value depends heavily on the accuracy of its U.S. servicer database; for smaller lenders, it may only be able to generate a generic package. Privacy and compliance disclosures are limited as well—only secure signing links and audit trail descriptions are visible, with no clear details on encryption, certifications, or data retention.

Who It’s For and Access from China

CoPayee is best suited to U.S. restoration, roofing, water/fire damage contractors, public adjusters, mid-sized restoration companies, and homeowners dealing with a one-off claim. It is not suitable as a general OCR tool, general legal document tool, or non-U.S. insurance claims tool. Chinese-language support, Chinese customer service, China-based payment methods, and accessibility from mainland China are not disclosed, so they should be considered unknown. Chinese users handling U.S. property insurance claims may want to keep an eye on it; otherwise, local insurance claims, e-signature, or OCR alternatives are likely a better fit.