Three steps. Eight specialized engines under the hood.
One audit pipeline — eight purpose-built subsystems that produce a forensic record auditable end to end. The same three-step flow you see on the homepage (Decode → Audit → Defend), with the engines that power each step named below.
Turn an unreadable policy or a one-page denial letter into a structured, plain-English map. Coverages, exclusions, sublimits, endorsements — every clause extracted with a confidence value and the section number it came from.
- Policy Intelligence Engine — Parses HO-3 / HO-5 forms, declarations pages, and endorsements into a coverage map with confidence per clause.
- Denial Decoder — Reads carrier decision letters, cross-references the cited policy sections against the policy itself, surfaces contradictions.
Cross-reference the carrier estimate (or your own scope) against ANSI/IICRC standards, OSHA requirements, and manufacturer specs. Every gap surfaces with the section number, the evidence, and the dollar impact.
- Standards Engine — Maps real loss conditions to S500, S520, S700, and OSHA 29 CFR — never blindly applies a standard, always explains the reasoning.
- Defensibility Engine — Attaches photo and reading evidence to every line item, surfaces missing documentation, scores the audit for appraisal-readiness.
- AI Restoration Estimating Engine — Reads photos, video, Matterport, moisture and psychrometric logs, generates the standards-aware estimate the carrier left short.
Produce the supplement, the rebuttal, and the structured record. Technical tone, citation-anchored, replayable in front of an appraisal panel — the artifact the carrier can't dismiss with a one-paragraph response.
- Supplement & Rebuttal Engine — Generates supplements, rebuttals, F9 notes, and carrier response packets. Never adjuster, never legal advice — always technical.
- Carrier Intelligence Network — Learns from supplement outcomes across the customer base, surfaces probability ranges by carrier and region — never promises.
- Unified Claim Graph — Every photo, reading, line item, citation, and decision becomes a connected node. The claim is finally one object you can hand off.
- Claim Health Monitor — Tracks delays, stalled supplements, and missing carrier responses across the portfolio so nothing rots in someone's inbox.
Read a policy in three seconds. Understand it in twenty.
VVON™ parses declarations pages, endorsements, and denial letters into a visual coverage map that a homeowner — or a jury — can actually understand. Confidence-based language, child-readable summaries, contradiction detection, and a Denial Decoder™ that explains exactly which clause the carrier leaned on (and which ones they ignored).
- Plain-English translator with visual coverage maps
- Denial Decoder™ identifies referenced language, contradictions, and unresolved areas
- Separates scope disputes, pricing disputes, and coverage disputes — the three are not the same
- Never guarantees coverage; always uses "likely", "potentially", "may depend on"
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
Every photo, reading, line, and clause — one connected object.
For the first time, a claim isn't a folder of PDFs. It's a graph. Photo #18 supports drywall removal. Moisture reading #4 supports Category 3. Containment Level 3 links to S500 §12.2. The carrier's denial statement links to the disputed line items it actually contradicts. Click any node — see everything it touches.
- Forensic evidence linkage across photos, readings, scope, standards, policy
- Click a denial statement — see exactly which line items it contradicts
- Click a line item — see every piece of evidence backing it
- Exportable as a defensible record for any reviewer
Eight engines under the three-step flow.
Decode, Audit, and Defend are the steps a customer experiences. Inside the platform, each step runs across multiple specialized engines — eight in total — so the work that produces a defensible record is auditable end to end. This is the inventory.
Policy Intelligence Engine
Transforms unreadable policies, declarations pages, endorsements, and denial letters into plain-English coverage maps. Surfaces exclusions, sublimits, and obligations with confidence-based language.
AI Restoration Estimating Engine
Mitigation, mold, fire/smoke, rebuild, and contents — all standards-aware. Reads photos, videos, Matterport, moisture, psychrometric, thermal, and floor plans to generate evidence-linked estimates.
Standards Engine
Maps real conditions to ANSI/IICRC S500, S520, S700, OSHA, and manufacturer requirements. Never blindly applies a standard — always explains the reasoning and flags missing evidence.
Defensibility Engine
Every line item carries its receipts — supporting evidence, confidence level, standards basis, and a warning if documentation is missing. Estimates that hold up to scrutiny.
Supplement & Rebuttal Engine
Generates supplements, rebuttals, F9 notes, and carrier response packets. Professional, technical tone — never adjuster, never legal advice, never accusatory.
Carrier Intelligence Network
Learns from supplement outcomes, adjuster tendencies, and regional patterns. Provides probability ranges — never promises — so you walk into every conversation prepared.
Unified Claim Graph
Every photo, reading, line item, standard, and denial statement becomes a connected node. The first time a claim has actually been a single object.
Claim Health Monitor
Tracks delays, unresolved supplements, missing carrier responses, stalled activity, and communication gaps. Visualizes claim progress as a living timeline — so nothing rots in someone's inbox.
Explore →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
Insurance claims, decoded.
Upload one estimate. Get a forensic gap analysis based on ANSI/IICRC standards. First review free — no card required.