Your clients deserve
every dollar they're owed.
Claim underpayments, adjuster lowballing, and coverage denials cost policyholders billions. Warnvo analyzes every claim decision and generates the appeal documentation automatically.
What you're dealing with every day
The billing fraud and overcharge patterns that cost your clients money — and your practice time.
Claim underpayments
Adjusters routinely use labor rates and material costs below current market rates — sometimes 30–40% below what contractors actually charge.
Policy misrepresentation
Coverage denials based on policy language that is ambiguous, contradictory, or inconsistent with what was sold to the policyholder.
Premium overcharges
Rating errors, incorrect risk classifications, and failure to apply earned discounts result in policyholders overpaying for years.
Depreciation disputes
Actual cash value calculations that apply excessive depreciation — especially on roofing, HVAC, and other long-life components.
Coverage denials
Denials that mischaracterize the cause of loss, misapply exclusions, or fail to consider concurrent causation doctrine.
Adjuster lowballing
Initial estimates that are systematically below what a licensed contractor would charge — designed to minimize the settlement.
Built for your workflow
Tools designed specifically for professionals who deal with billing disputes and consumer protection every day.
Claim gap analysis
ShieldEngine™ compares the adjuster's estimate against Xactimate market rates, contractor quotes, and state-filed labor rates.
Insurance appeal letters
Generate formal appeal letters citing your state's insurance code, bad faith statutes, and the specific policy provisions at issue.
Insurance specialist
Complex claims are routed to the insurance specialist with expertise in bad faith claims.
Frequently Asked Questions
Start protecting your clients today
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