For attorneys & consultants
Records your appraisal panel actually engages with.
VVON™ produces forensic claim records designed for the moment the dispute leaves the carrier’s desk: appraisal, mediation, bad-faith litigation. Every line item carries a standard, a photo, and a reading. Every AI output is hashed, versioned, and replayable. Nothing you hand to opposing counsel comes apart on cross.
Audit trail
One row per call
every AI call logged with prompt + response hash, pass/fail, retry count
Replayability
Hashed prompt + response
any past decision can be reproduced exactly from the audit row
Standards basis
ANSI/IICRC + OSHA
consensus standards, admissible in every US jurisdiction
Document retention
Customizable
matter-tier retention with explicit deletion-on-demand
VVON does not provide legal advice and is not a substitute for counsel. It produces the underlying technical record (scope vs. standards, policy vs. denial, evidence vs. claim). The legal arguments built on top of that record remain entirely your work product.
Trust posture
A tool, not a representative.
VVON™ is engineered with explicit boundaries. Confidence-based language. Recommendation framing. Evidence limitations. Always.
!
What VVON™ will never do — and what it always will
Never
- ×Act as a public adjuster
- ×Guarantee claim outcomes
- ×Provide legal advice
- ×Guarantee coverage or payment
- ×Represent itself as an engineer or hygienist
- ×Use aggressive, accusatory carrier language
Always
- ✓Use confidence-based language ("likely", "may depend on")
- ✓Frame outputs as recommendations
- ✓Disclose evidence limitations and missing data
- ✓Recommend contractor / professional verification
- ✓Cite the standard, the photo, and the reading behind every claim
- ✓Distinguish scope vs. price vs. coverage disputes
Common questions
No, it isn't a chatbot.
Is VVON™ a public-adjuster service?+
No. VVON™ does not represent homeowners or contractors in negotiations, does not file claims, and does not negotiate settlements. It is a forensic intelligence tool that decodes documents, structures evidence, and generates defensible estimating output. Public adjusting is a licensed activity in every U.S. state and we explicitly stay out of it.
Does VVON™ replace Xactimate or Symbility?+
Today it complements them. VVON™ exports to Xactimate-compatible structures and is built to integrate, not replace. The forensic intelligence layer, the standards reasoning, and the defensibility audit are the value — the line-item engine is interoperable. See the full integrations roadmap for what is live, in beta, and planned.
How is this different from generic AI tools?+
Generic LLMs hallucinate confidently in domains they don't understand. VVON™ is purpose-built on ANSI/IICRC standards, restoration sequencing, carrier behavior patterns, and policy structures. Every output is evidence-linked, confidence-scored, and surfaces what's missing. The standards layer cross-references against ANSI/IICRC S500 (water damage), S520 (mold remediation), S700 (fire and smoke), and OSHA 29 CFR — every line item carries the section number it came from.
What specific policy terms does VVON decode?+
Every Coverage line (A dwelling, B other structures, C personal property, D loss of use, E liability, F medical payments), every endorsement, every exclusion, and every sublimit on the form. Background reading on the technical terms that decide whether your claim gets paid: anti-concurrent causation, sublimits, ACV vs RCV, depreciation, endorsements, Coverage A/B/C/D/E/F explained, ordinance-or-law coverage. The full glossary covers ten terms in plain English.
Does VVON know my specific carrier — State Farm, Allstate, USAA, others?+
Yes. Each major US carrier writes its HO-3 form differently — exclusion language, endorsement availability, and denial patterns vary. We publish per-carrier playbooks at State Farm, Allstate, USAA, Farmers, and Liberty Mutual. Plain-English decoders for each carrier's policy form live at State Farm HO-3, Allstate HO-3, USAA HO-3, plus five more carriers on the decoders index.
What about HIPAA and PII?+
VVON™ treats every uploaded document as confidential. Enterprise tiers include a BAA, configurable retention, regional data residency, and SOC 2 reports (currently in progress). No customer data is used to train shared models without explicit opt-in.
Will this get my supplement approved?+
VVON™ does not promise outcomes. It surfaces probability ranges learned from the Carrier Intelligence Network, identifies missing documentation before submission, and produces evidence-linked supplements that are dramatically harder for an adjuster to dismiss without specifics. The playbook library documents what a defensible supplement looks like by loss type — water, mold, fire and smoke, plus four more.
When can I get access?+
Today via self-serve at /pricing — Solo ($99/mo), Firm ($299/mo), and Business ($799/mo) are open for subscription, plus Enterprise on custom pricing. Single-claim forensic reviews are $79 with no subscription. The platform is in early access, so pricing and feature set may evolve; existing subscribers’ pricing is locked in for their current term. Restoration contractors in OR, WA, CA, TX, FL, and the Northeast corridor get prioritized onboarding response and a quarterly product call. Homeowners can use the free policy audit today.
What happens to my reports if I cancel?+
Your past audits stay readable in your account for 90 days after cancellation, and downloadable as PDF the entire time. You can also export the raw structured data (line items, citations, evidence references) as CSV before the 90 days are up. After that the data is hard-deleted from primary storage and falls out of backups within another 35 days. Cancel any time — no call, no retention pitch, billing portal handles it in two clicks. Full data-handling controls live on /security.
Find what your carrier missed.
Upload one estimate. Get a forensic gap analysis based on ANSI/IICRC standards. First review free — no card required.