Black Diamond Claims Solutions · The claim industry’s toolbox
Dealing with storm damage?
Insurance claims take time. Black Diamond works in the wait: housing for displaced homeowners, invoice purchasing for restoration contractors, and expert ALE evidence for law firms.
One company. Three doors.
Black Diamond works where a property loss meets an insurance claim. We don’t replace your insurer, your attorney or your contractor; we work alongside them so the people waiting on a claim can keep moving. Pick the door that fits you.
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If a covered loss has made your home unlivable, we help you understand the temporary housing benefits your policy may provide, then we find, place and coordinate housing that fits your family. You choose the place.
Available where your homeowners policy provides Additional Living Expenses (ALE) or Loss of Use benefits for a covered loss. Benefits, eligibility, limits and timeframes depend on your individual policy.
Temporary housing -
Independent expert reports, Loss of Use valuations and testimony that hold up in mediation, deposition and trial, prepared by former carrier-side adjusters with more than 125 years of combined experience.
Black Diamond provides independent expert consultation, reports and testimony to the attorneys who represent policyholders. We are not a law firm and do not provide legal advice.
Law firm consulting -
We purchase qualified insurance-related invoices for up to 60% of the invoice amount, so you don’t have to wait on every pending carrier payment before taking the next job. Funds for approved purchases go out every Friday.
Black Diamond is not a bank, financial institution or lending company, and invoice purchasing is not a loan. Every invoice is reviewed individually and may be purchased or declined at Black Diamond’s sole discretion, subject to final approval and documentation.
Invoice purchasing
Straight answers
In plain terms
What Black Diamond does
- Finds and coordinates temporary housing for insured homeowners displaced by a covered loss.
- Purchases qualified restoration and mitigation invoices so contractors are paid while the carrier processes the claim.
- Prepares independent ALE and Loss of Use reports and gives expert testimony for the law firms that represent policyholders.
- Reviews your declarations page with you so you understand which living-expense benefits your policy may provide.
What Black Diamond is not
- Not an insurance company. Your claim stays with your carrier and its adjuster.
- Not a bank or a lender. Buying an invoice is a purchase, not a loan or a line of credit.
- Not a law firm. Our experts support attorneys with evidence; they do not give legal advice.
- Not a guarantee. Housing depends on the benefits in your policy, and every invoice is reviewed and approved individually.
Every service is built around the same fact: an insurance claim takes time, and the family, the crew and the case inside it cannot wait. We cover the wait.
Why three services under one roof
One property loss touches three people who all end up waiting on the same claim. Black Diamond was built to stand in that gap for each of them.
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1 The loss
A storm, a leak or a fire makes a home unlivable. The family needs somewhere to stay tonight, not when the claim settles.
Temporary housing -
2 The work
A restoration crew tarps the roof and dries the house, then waits weeks or months for the carrier to pay. The next job can’t wait that long.
Invoice purchasing -
3 The dispute
When the carrier and the policyholder disagree about what the displacement cost, the attorney needs an independent expert who can document it and defend it.
Expert witness support
Not sure what your insurance covers?
Your homeowners policy may provide Additional Living Expenses (ALE) or Loss of Use benefits when a covered loss makes your home uninhabitable. Our AI coverage check tool helps you find out what to look for on your declarations page.
Available benefits, eligibility, limits and timeframes depend on your individual policy and the circumstances of your loss.
Still not sure which door is yours?
Call us Monday to Friday, 9AM to 5PM, or send a message and we’ll point you to the right team. One call is enough to find out whether Black Diamond can help.