For estimators & PMs
Scope faster. Cite the standard. Defend the audit.
You’re running scope on five claims this week and three of them need a real audit, not a glance. VVON™ reads the carrier estimate, cross-references it against ANSI/IICRC line-by-line, and exports a Xactimate-compatible scope with every citation already attached. Throughput meets defensibility.
Free first audit · Xactimate export · ~160s median wall-clock.
Throughput
~160s per audit
on a typical 3-PDF claim with photos
Defensibility
Citation per line
S500, S520, S700, OSHA references attached
Export targets
Xactimate · CSV
drop into the existing supplement workflow
Module 03 — Standards Engine
Standards-aware. Never standards-bullying.
The Standards Engine maps real conditions — contamination category, class, drying goals, engineering controls — to ANSI/IICRC S500, S520, S700, OSHA, and manufacturer requirements. It explains the reasoning, surfaces confidence, and flags missing documentation. It will not justify what the photos don't support.
- Category & class determination tied to uploaded evidence
- Engineering controls, PPE, containment, filtration logic
- "Additional documentation recommended" — never silent fabrication
- Audit trail per line item: which standard, which photo, which reading
S500 §10.5
Category 3 contaminationSupportable based on visible sewage intrusion and porous material impact
more evidence recommendedS500 §12.2
Engineering controls — negative airRequired given Category 3 + occupied adjacent zones
justifiedS520 §13.3
Containment level 3Porous material removal >100 sq ft; HEPA filtration required
justifiedOSHA 1926.62
Lead-awareness for pre-1978 trim demolitionProperty year built: 1962 — assessment recommended
flaggedS700 §6.4
Smoke residue classificationProtein residue from kitchen — wet-cleaning protocol applies
justifiedHow VVON compares
Honest comparison. Every option has its place.
We’re not the right answer for every claim. Public adjusters are for contested negotiations. Consumer apps work for simple playbooks. DIY is fine for small claims. VVON™ is for understanding your coverage: what’s in the policy, what’s missing from the carrier’s estimate, and what the standards say about both.
VVON™
Public adjuster
Consumer claim app
DIY
What it does
Audits your policy + carrier estimate against ANSI/IICRC standards. Shows every gap with a citation.
Licensed advocate negotiates the settlement directly with the carrier under a contingency contract.
Step-by-step playbook for documenting and filing your claim.
You read the policy yourself, document the loss yourself, file yourself.
Cost
Free first review · $79 single · $99–$799/mo for ongoing
10–25% of your settlement (contingency)
Flat ≈ $295 per claim
$0
Time to result
≈ 20 seconds for the audit
Weeks to months — driven by carrier pace
Hours to days — you follow the workflow
Hours of your own time
Output format
Forensic report: policy score, coverage radar, gap analysis with verbatim citations
Negotiated settlement amount
Filled-out forms + filing checklist
Whatever you write down
Posture
Educational + advisory. Not a representative.
Licensed adversarial advocacy at the negotiation table.
Templated workflow assistance.
You are the representative.
Best for
Understanding your policy + spotting gaps in the carrier estimate before / during a claim.
Contested claims where you need a licensed advocate at the table.
Simple claims where you want a guided playbook.
Simple policies + small claims you can handle solo.
We don’t name specific competitor brands here on purpose — the comparison is between approaches, not products. Each row reflects how those approaches generally work in the US property-insurance market, not any single company.
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.