Vraimony
Insurance claims · adjuster review · supplemental evidence

The adjuster will ask for more.
Have it ready before they do.

Insurance claims stall when evidence arrives piecemeal. Whether you're filing a new claim, submitting a supplemental after underpayment, or appealing a denial — the adjuster needs one organised, timestamped record, not a back-and-forth over email.

Whether you are filing a new property claim, submitting a supplemental after underpayment, or appealing a denial — the evidence needs to arrive as one structured record the adjuster can review without calling you back ten times. Vraimony packages your documents into a reviewable, tamper-evident record. We do not replace your adjuster. We make your file readable.

Which pack is right for you? → Start one record — from $99 See what a reviewer receives
Public adjuster ICP 60-day deadline logic PASS / Declared / Unverified No claims software
Three record paths — one for each moment in the claim lifecycle

Where are you in the claim process?

1

Claim Readiness Record

Organizing your evidence before first submission. Get photos, estimates, receipts, and timelines into one reviewable pack before the adjuster sees gaps.

$99–149 · One-time
Start this pack →
2

Supplemental Claim Packet

Claim came back underpaid or new damage discovered. Submit a structured amendment with the additional evidence and a clear ask for the difference.

$149–199 · One-time
Start this pack →
3

Claim Denial Appeal Pack

Received a formal denial. The appeal window is usually 30–180 days. Build a structured appeal record with policy language, counter-evidence, and a clear ask.

$199–299 · One-time
Start this pack →
Real situations — what happens without a structured record

Three moments where a disorganized file costs more than the pack.

🏠

Property damage — first submission

Adjuster receives 23 individual photos with no labels, two different contractor estimates, and a handwritten note about what happened. They call back asking for a timeline and proof of ownership. Two weeks lost.
One reviewable pack: damage photos labeled by room, dated timeline, contractor estimate cross-referenced to damage items, and proof of ownership. Adjuster has everything to process without a follow-up call.
📋

Supplemental — adjuster underpaid

Settlement offered is $18,000 below the contractor's revised estimate after hidden damage found. The adjuster has the original claim but not the new evidence. Submitting a second pile of attachments resets the review clock.
A supplemental record references the original claim number, documents the newly discovered damage with photos and dates, attaches the revised estimate, and states a clear dollar ask. Adjuster sees the gap immediately.
⚠️

Denial appeal — 90-day window

Claim denied citing "exclusion clause 7b." The policyholder has evidence that contradicts the exclusion but cannot organize it into an argument the appeals desk can act on. The 90-day window is closing.
An appeal record includes the denial letter reference, the specific policy clause at issue, counter-evidence with labeled dates, and a single clear ask: reconsider under section X. The appeals desk sees a reviewable file, not another attachment pile.
Pack 1 — Claim Readiness Record

What to prepare. What you receive back.

📋 What you provide
📸
Damage photos Grouped by room or damage type. Date stamps preferred. Phone photos are fine.
📄
Contractor estimate(s) One or more repair estimates. If you have competing estimates, include both.
🧾
Receipts and proof of ownership For damaged property — purchase receipts, bank statements, or replacement quotes.
📅
Timeline of events When did the damage occur. When was it discovered. When did you notify the insurer.
📋
Policy number + claim reference If a claim number exists. Not required to start — can be added before sealing.
✦ What you receive
🔒
Sealed claim record ed25519-signed. Tamper-evident. Every document in the record is hashed.
🗂
Structured evidence map Each claim linked to its supporting evidence. PASS/Declared/Unverified status per item.
🔗
Reviewer link One URL the adjuster opens. No login. No email attachments. The record is the submission.
📦
PDF + PNG + JSON exports All three formats. Yours permanently. No subscription needed to access your exports.
📊
Gap detection report What is confirmed vs declared vs missing — before you seal. Fix gaps before the adjuster finds them.
Start Claim Readiness Record — $99–149 → See what the adjuster receives
Claim lifecycle — states your record tracks

Every record reflects where you are in the process.

Draft
Assembling documents. Not yet submitted to adjuster.
Filed
Record sealed and sent. Adjuster has the review link.
Documentation pending
Adjuster requested additional items. Record can be amended.
Under review
Active with the claims desk. Adjuster is evaluating.
Underpaid — Supplemental needed
Settlement offered below full estimate. → Use Pack 2: Supplemental Claim Packet.
Denied — Appeal window open
Formal denial received. 30–180 days typical. → Use Pack 3: Denial Appeal Pack.
Settled
Resolution reached. Record archived as evidence of the outcome.
Quick check — which pack fits your situation?

Tick what applies. The right path becomes clear.

✓
First time filing this claim You haven't submitted yet — you're organizing before first contact with the adjuster
✓
Settlement came back underpaid You received an offer but it doesn't cover the full contractor estimate
✓
Claim was formally denied You received a written denial letter citing a policy clause or exclusion
✓
New damage discovered after first submission Hidden or consequential damage found during repair that wasn't in the original claim
✓
Public adjuster representing a client You package claims professionally for multiple policyholders
✓
Adjuster keeps requesting the same documents You've sent the evidence but it keeps getting lost or misread in email threads
Tick the boxes above 0 / 6

Select what applies to your situation.

Three packs — one for each stage of the claim lifecycle

Priced by complexity and stakes, not by sector.

Pack 2

Supplemental Claim Packet

$149–199
ICP: Public adjuster · Property owner after underpayment
  • Everything in Pack 1
  • References original claim number
  • New damage documentation linked to original
  • Revised estimate cross-reference
  • Clear ask: dollar amount for the difference
  • Desk escalation path included
Start Pack 2 →
Pack 3

Denial Appeal Pack

$199–299
ICP: Public adjuster · Attorney · Commercial owner
  • Everything in Pack 1 + 2
  • Denial letter reference structured in
  • Policy clause at issue clearly identified
  • Counter-evidence with dates and labels
  • Single clear ask for appeals desk
  • External review path (if applicable)
Start Pack 3 →

Pricing shown is per case. Public adjusters handling multiple clients: see Pro access for repeated work across multiple policyholders.

What this does and does not do

We package evidence. We do not adjust claims.

Vraimony is a documentation and review-readiness layer. It makes your evidence clearer, faster to review, and tamper-evident. It is not a claims management system, an adjuster, or a legal service.

✕ Does not replace your adjuster
✕ Does not guarantee claim approval
✕ Does not provide legal advice
✕ Does not certify damage amounts
✓ Makes your file readable in one place
✓ Proves document integrity (tamper-evident)
✓ Structures your ask clearly for the reviewer
✓ Works with your existing adjuster relationship
When is this most useful? When the dispute is about completeness of your file, timing of your submission, or which evidence supports which claim item. For disputes about adjuster conduct or insurer bad faith, seek legal counsel.
Which type of case? — reason-specific evidence requirements

The evidence you need depends on why the dispute exists.

Select your case type. Each reason has a different One Invalidate, a different evidence list, and a different deadline. Getting the wrong one wrong means the reviewer cannot act.

⏱ Deadline: Per policy — typically 30–90 days
■ Required evidence for this reason
  • Proof of loss or damage report
  • Independent survey or inspection report
  • B/L or title document
  • Repair or replacement estimates
⛔ One Invalidate for this reason

No independent survey — adjuster orders their own, delaying payment

❖ Key gap to close first

Survey must be from an approved surveyor, not self-reported

Carrier evidence — a separate verdict layer

Delivery status alone is not the verdict. Each status opens a different evidence path.

Carrier events form the damage / loss evidence chain — DELIVERED from the carrier does not automatically close a dispute. It opens a new set of evidence requirements depending on the claim type.

DAMAGED
Carrier delivered — item arrived damaged
  • Carrier damage notation at delivery
  • Photos of packaging and item
  • Inspection report from approved surveyor
⛔ No carrier damage notation at delivery = insurer argues damage occurred after delivery
LOST
Carrier acknowledges loss
  • Carrier loss acknowledgement or claim reference
  • Original B/L / waybill
  • Insurance notification within policy window
⛔ No carrier claim reference = loss is disputed, not confirmed
Why this matters: PayPal, Amazon, and eBay all treat carrier DELIVERED status as strong evidence — but not as final verdict in SNAD (not as described), DNR (delivered not received), or damage cases. Structure your carrier evidence accordingly.
Decision layer — what stops and what advances the claim

One thing that blocks the adjuster. One thing that unblocks them.

⛔
One Invalidate — what makes this record unactionable

If the damage photos have no metadata, no date stamps, and cannot be tied to a specific event timeline — the adjuster cannot confirm the damage occurred under the policy period. Undated photos in isolation are the single most common reason claim files get returned for more information.

❖
One Next Evidence — what advances the claim most

A signed, dated contractor estimate from a licensed professional. This single document establishes the damage scope, the repair cost, and a third-party assessment — and is the most common missing piece that separates a processable claim from a stalled one.

Quality stops — states this record cannot claim without these
✕No "Claim-ready" without at least one dated damage photo or incident report
✕No "Estimate confirmed" without a contractor estimate signed and dated within 90 days
✕No "Ownership proved" for personal property without a purchase receipt, bank statement, or replacement quote
✕No "Supplemental justified" without documentation of damage discovered after the original submission — new damage must be newly documented
✕No "Appeal valid" without the formal denial letter attached — appeals cannot be structured without the specific denial reason
■ Facts — what the record contains
  • Damage photos with dates
  • Contractor estimate(s)
  • Proof of ownership
  • Event timeline
  • Policy and claim reference
▶ What this means for the adjuster
  • Damage scope is documented
  • Repair cost has a professional basis
  • Loss is tied to a specific event date
  • Ownership is established
  • No need for a callback to gather basics
► What the adjuster can do now
  • Process the claim without a follow-up call
  • Issue a settlement offer based on the estimate
  • Request amendment if specific items are unclear
  • Escalate to senior desk if disputed
Ready to package your claim?

Start with the pack that matches
where you are in the process.

Start from $99 — one case → See what the adjuster receives Talk to us first

We improve review-readiness. We do not control the adjuster's decision. No subscription. Exports are yours forever.

Ready?

Free diagnostic. $19.99 to fix and send.

Run free diagnostic → Fix one case — $19.99

◎ We organise your evidence. The reviewer makes the final call.