# VVON > AI-driven forensic intelligence for property-insurance claims. VVON reads insurance policies, denial letters, and carrier estimates against ANSI/IICRC standards (S500 water, S520 mold, S700 fire/smoke) plus OSHA 29 CFR. Surfaces coverage gaps, missing standards citations, and supplement-margin recovery — for homeowners, restoration contractors, independent estimators, and attorneys. Founded 2025 in Washington, USA by an IICRC-licensed restoration operator with close to two decades on the claim side. Self-serve subscription tiers (Solo $99/mo, Firm $299/mo) plus single-review pricing ($79). Enterprise tier with HIPAA BAA, SSO/SAML, and custom retention starts at $799/mo. ## Product - [Audit a policy free](https://vvon.ai/policy/upload): Upload a homeowners insurance policy (HO-3/HO-5 PDF) and receive a structured coverage map in ~20 seconds. No card. - [Decode a denial letter](https://vvon.ai/denial/upload): Upload a denial or partial-payment letter and the cited policy clauses — VVON surfaces contradictions. - [Audit a carrier estimate](https://vvon.ai/audit/new): Cross-reference a carrier estimate line-by-line against IICRC standards. Surfaces missing scope with citations. - [Pricing](https://vvon.ai/pricing): Solo $99/mo · Firm $299/mo · Business $799/mo · Enterprise custom. Single forensic review $79. Free first review. 30-day money-back guarantee. Cancel in two clicks. - [Product overview](https://vvon.ai/product): Decode → Audit → Defend. Eight specialized engines under the three-step flow. - [Sample audit report](https://vvon.ai/sample-report): Downloadable 3-page PDF showing what a forensic audit looks like before you upload your own claim. ## For your audience - [For homeowners](https://vvon.ai/for-homeowners): Plain-English policy translator and denial decoder. No restoration jargon. - [For restoration contractors](https://vvon.ai/for-contractors): Supplement-margin recovery. ANSI/IICRC defensibility. Xactimate-compatible export. Includes ROI calculator. - [For estimators & PMs](https://vvon.ai/for-estimators): Throughput plus defensibility. Scope every estimate with the standard cited inline. - [For attorneys & consultants](https://vvon.ai/for-attorneys): Defensibility-grade claim records. Replayable, version-pinned, citation-anchored. ## Insurance terms (plain English) - [ACV vs. RCV](https://vvon.ai/learn/acv-vs-rcv): ACV (Actual Cash Value) pays what your damaged stuff was worth right before the loss; RCV (Replacement Cost Value) pays what it costs to replace today. - [Depreciation](https://vvon.ai/learn/depreciation): The amount the carrier subtracts from replacement cost because your stuff was used — held back until you actually finish the repairs. - [Anti-concurrent causation](https://vvon.ai/learn/anti-concurrent-causation): A clause that lets the carrier deny the entire loss if ANY contributing cause is excluded — even if a covered cause did most of the damage. - [Sublimit](https://vvon.ai/learn/sublimit): A cap inside your policy limit that limits a specific category — like mold, jewelry, or business equipment — far below your total coverage. - [Endorsement](https://vvon.ai/learn/endorsement): An add-on that changes the base policy — usually to extend coverage, raise a sublimit, or buy a specific peril back in. - [Deductible (recoverable vs. non-recoverable)](https://vvon.ai/learn/deductible-recoverable): Recoverable deductibles can be reduced or eliminated through specific endorsements or settlement structure; most are simply your share of every loss. - [HO-3 vs. HO-5](https://vvon.ai/learn/ho3-vs-ho5): HO-3 covers your dwelling on an open-perils basis (everything except what’s excluded) but personal property on named-perils only; HO-5 extends open-perils to personal property too. - [Coverage A, B, C, D, E, F](https://vvon.ai/learn/coverage-a-b-c): The six standard Coverage letters on an HO-3 declarations page: A=dwelling, B=other structures, C=personal property, D=loss-of-use, E=liability, F=medical payments. - [Ordinance or law coverage](https://vvon.ai/learn/ordinance-or-law): A coverage line item that pays for the extra cost of bringing damaged parts of your home up to current building code during the repair — typically 10% of Coverage A by default, often insufficient. - [Replacement cost vs. market value](https://vvon.ai/learn/replacement-cost-vs-market-value): Replacement cost is what it costs to rebuild your house with current materials and labor; market value is what someone would pay you for it on the open market. They are not the same number and the difference matters for both premium and claim payout. ## Carrier HO-3 policy decoders - [State Farm HO-3](https://vvon.ai/decode/state-farm-ho3): Plain-English decoder for the State Farm HO-3 — Coverages A through F, common exclusions, and the clauses you’ll see in a denial letter. - [Allstate HO-3](https://vvon.ai/decode/allstate-ho3): Plain-English decoder for the Allstate HO-3 — including House & Home / Premier Protection variants, sublimits to watch, and Allstate’s typical handling of water and roof claims. - [USAA HO-3](https://vvon.ai/decode/usaa-ho3): Plain-English decoder for the USAA HO-3 — typically broader base coverage than industry standard, with strict eligibility, and clauses unique to military households. - [Liberty Mutual HO-3](https://vvon.ai/decode/liberty-mutual-ho3): Plain-English decoder for the Liberty Mutual HO-3 — package endorsement bundles, common sublimits, and how Liberty Mutual typically handles water and roof claims in coastal markets. - [Travelers HO-3](https://vvon.ai/decode/travelers-ho3): Plain-English decoder for the Travelers HO-3 — Quantum Home package tiers, hurricane-deductible math in coastal states, and how Travelers typically handles older-home claims. - [Nationwide HO-3](https://vvon.ai/decode/nationwide-ho3): Plain-English decoder for the Nationwide HO-3 — Brand New Belongings endorsement, Better Roof Replacement, and how Nationwide typically handles supplements. - [Progressive HO-3](https://vvon.ai/decode/progressive-ho3): Plain-English decoder for the Progressive HO-3 — bundled with auto in most markets, underwritten by partner carriers, and how that affects the claim flow. - [Farmers HO-3](https://vvon.ai/decode/farmers-ho3): Plain-English decoder for the Farmers HO-3 — Smart Plan Home tiers, ordinance-and-law gotchas, and how Farmers typically handles hail, wind, and slab claims. ## Loss-type supplement playbooks - [Water damage supplement](https://vvon.ai/playbooks/water-damage-supplement): How to build a defensible water-damage supplement: what the carrier scopes, what they miss, and the ANSI/IICRC S500 citations that anchor the gap. - [Mold remediation supplement](https://vvon.ai/playbooks/mold-remediation-supplement): How to scope a mold remediation job to ANSI/IICRC S520 — containment, HEPA, structural removal, post-remediation verification — when the carrier’s estimate stops at "treat with antimicrobial". - [Fire & smoke restoration estimate](https://vvon.ai/playbooks/fire-smoke-restoration-estimate): How to scope a fire and smoke loss to ANSI/IICRC S700 — soot characterization, structural cleaning, contents pack-out, and the line items carrier estimates routinely miss. - [Sewer backup claim](https://vvon.ai/playbooks/sewer-backup-claim): How to handle a sewer backup loss — Category 3 water under IICRC S500, the water-backup endorsement question, and the supplement scope a contractor needs to defend. - [Hail & wind roof damage](https://vvon.ai/playbooks/hail-wind-roof-damage): How to defend a roof claim after hail or wind — patch vs. replace disputes, matching for cosmetic continuity, manufacturer warranty interaction, and the standards that anchor a full replacement. - [Frozen pipe burst claim](https://vvon.ai/playbooks/frozen-pipe-burst-claim): How to scope a frozen-pipe burst — sudden-and-accidental coverage, the "vacancy" exclusion, drying scope per IICRC S500, and what to do when the burst is in a wall cavity vs. open. - [Vandalism & theft claim](https://vvon.ai/playbooks/vandalism-theft-claim): How to handle a vandalism or theft loss — Coverage C sublimit traps for jewelry / firearms / electronics, scheduled-property interaction, and what the police report does (and doesn’t) prove. ## IICRC / OSHA standards explained - [IICRC S500](https://vvon.ai/standards/iicrc-s500-explained): What the S500 standard actually covers, when it applies, and the key sections you cite in a water-damage supplement: categories, classes, drying environment, structural removal. - [IICRC S520](https://vvon.ai/standards/iicrc-s520-explained): What S520 covers — Conditions 1/2/3, containment requirements, source removal, post-remediation verification — and how to cite each section in a mold supplement. - [IICRC S700](https://vvon.ai/standards/iicrc-s700-explained): What S700 covers — smoke characterization, structural cleaning, contents triage, HVAC decontamination, deodorization — and the sections to cite in a fire-loss supplement. - [OSHA 29 CFR 1910](https://vvon.ai/standards/osha-29cfr-1910-respiratory): What the OSHA respiratory protection standard requires for Category 3 water, mold remediation, fire-smoke cleanup — and why citing it in a carrier estimate dispute matters. ## Carrier claims help - [State Farm — denied or underpaid claim help](https://vvon.ai/state-farm-claims): Plain-English playbook for the days after a State Farm claim decision: what the letter actually means, what to gather, and how to push back without hiring a public adjuster. - [Allstate — denied or underpaid claim help](https://vvon.ai/allstate-claims): What an Allstate claim decision actually means, the common bases for denials and underpayments, and how to dispute one without hiring a public adjuster. - [USAA — denied or underpaid claim help](https://vvon.ai/usaa-claims): USAA is generally faster than industry average on first-touch, but claim disputes still happen. How to read a USAA decision and push back when the math doesn’t fit. - [Farmers — denied or underpaid claim help](https://vvon.ai/farmers-claims): How to read a Farmers claim decision, the Smart Plan Home tier interactions that surprise homeowners, and the dispute path that doesn’t require a public adjuster. - [Liberty Mutual — denied or underpaid claim help](https://vvon.ai/liberty-mutual-claims): Reading a Liberty Mutual claim decision, the package-endorsement interactions that determine what’s actually covered, and how to escalate without hiring a public adjuster. ## Optional - [About](https://vvon.ai/about): Founder story, mission, team, milestones. - [Security & compliance](https://vvon.ai/security): Encryption (AES-256 at rest, TLS 1.2+ in transit), RBAC, SSO/SAML, MFA, audit logging, SOC 2 Type II in audit, HIPAA BAA on Enterprise. - [Integrations](https://vvon.ai/integrations): Xactimate (live), Symbility (beta), CompanyCam / Matterport / Encircle (planned 2026), QuickBooks / Salesforce (Enterprise). - [Refer a firm](https://vvon.ai/referrals): Refer another restoration shop, estimator, or attorney. Both sides receive product credit. - [Contact](https://vvon.ai/contact): Per-channel response SLAs (4h enterprise, 24h support). - [Privacy](https://vvon.ai/privacy): Data-subject request form (CCPA / CPRA / GDPR). - [Terms](https://vvon.ai/terms): Service terms of use. ## Disclaimer VVON is a forensic intelligence tool. It is not a public adjuster, not a law firm, not a licensed engineer or industrial hygienist, and does not guarantee coverage, payment, or claim outcomes. All outputs are recommendations based on uploaded evidence and should be reviewed by a qualified professional.