inVine

Early access · U.S. policyholders

Find the line in your policy that says they owe you.

Insurers count on you not reading 60 pages of exclusions and endorsements. inVine reads your policy alongside your state's insurance rules, then explains in plain English what you're covered for, what deadlines your insurer has to meet, and what to ask for next.

Join the early access list Free for early testers
Sample analysis
Homeowners policy — Section Ip. 24

…we will pay the cost to repair or replace, without deduction for depreciation, but not more than the least of the following amounts: the replacement cost of that part of the building damaged with material of like kind and quality, or the necessary amount actually spent to repair or replace the damaged building…

Plain English

Your insurer offered depreciated value. This clause says replacement cost with matching materials — you can ask them to point to the exclusion they're relying on.

Your state's rules

Most states have unfair claims settlement rules that set deadlines for acknowledging and deciding a claim, and require insurers to cite the policy language behind a denial.

Illustration only. Not legal advice. Your policy language and your state's rules govern.

How it works

Three things have to line up: your policy, your state, your claim.

Coverage disputes usually come down to a mismatch between what your policy actually says and what your insurer is telling you. Everything inVine does is aimed at that gap.

First

Bring in your documents

Upload your policy, your declarations page, and any letters you've received. inVine pulls out the coverages, limits, deductibles, exclusions, and endorsements that actually apply to your situation.

Then

We read it against your state

Insurance is regulated state by state. inVine cross-references your policy with your state's insurance code and unfair claims practices rules — the timelines insurers have to follow, the reasons they must give, and the rights you have when they don't.

So that

You know what to say next

You get a plain-English read on where you stand, the specific clauses and rules behind it, the questions worth putting in writing, and how to file a complaint with your state's insurance department if it comes to that.

Where we stop

We're an information tool, and we're specific about it.

What inVine does

  • Explains your own policy in plain language
  • Shows you the state rules that apply to your claim
  • Points to the exact clause behind a decision
  • Helps you organize documents and dates
  • Suggests questions to put to your insurer in writing
  • Shows you how to reach your state insurance department

What inVine does not do

  • Give legal advice or act as your attorney
  • Represent you or negotiate with your insurer
  • Adjust, value, or settle claims
  • Sell, quote, bind, or recommend insurance
  • Predict or promise how your claim will end
  • Replace a licensed attorney or public adjuster when you need one

FAQ

Questions people ask us first.

Something not answered here? Email info@invine.ai and we'll answer it — and probably add it to this page.

What is inVine, exactly?

A tool that reads your insurance policy the way a very patient, very fast reader would — then compares it against the insurance rules in your state and explains what it found in plain English. It is built for the moment when your insurer says no, says "that's not covered," or goes quiet.

Is this legal advice?

No. inVine is not a law firm, does not employ attorneys acting on your behalf, and does not create an attorney-client relationship. What it gives you is general information about your own documents and about publicly available laws and regulations. Deciding what to do with that information is up to you, and for anything with money or deadlines on the line, talk to a licensed attorney in your state.

Will you fight my insurer for me?

No. Representing you in a claim is the job of a licensed attorney or, in many states, a licensed public adjuster. inVine's job is to make sure you walk into those conversations — with your insurer, an adjuster, or a lawyer — already knowing what your policy says and what your state requires.

How does it know my state's rules?

Insurance is regulated at the state level, so every state has its own insurance code, administrative rules, and department of insurance. inVine works from those public sources and ties them to the specific parts of your policy they touch, so you can check the citation yourself.

Can inVine be wrong?

Yes. It's an AI system reading complex documents, and laws change. Treat what it tells you as a starting point to verify, not a final answer. Every output points back to the source language so you can read it yourself, and we'd rather you check us than trust us blindly.

What happens to my documents?

Your documents are used to produce your analysis and to support you. Before you upload anything during the testing period, we'll show you exactly what we collect, how long we keep it, and how to delete it — and a full privacy policy will be published before the product opens. Don't upload documents containing other people's personal information without their permission.

What does it cost?

Nothing during the early access period. Pricing after that isn't set yet, and early testers will hear it from us first.

Which types of insurance will you cover at launch?

We're starting with personal lines — homeowners, renters, and auto — because that's where the policy language is most standardized and where people most often get stuck. Health and other lines come next. The sign-up form asks which one you care about, and that genuinely shapes the order.

What do you need from me as an early tester?

Your real situation and your honest reaction. Run a policy or a letter through it, tell us where the explanation lost you or got something wrong, and answer the occasional short email. That's it.

When does it launch?

We're opening state by state as we finish the regulatory research for each one. Joining the list is how you find out when yours is ready.