AI-powered claim verification, photo analysis, and auto-resolution. Reduce costs by 80%, delight customers, and eliminate manual review backlogs.
Four steps. Zero manual reviews. AI handles the entire claim lifecycle from intake to resolution.
Through your branded portal, customers select their order, describe the issue, and upload photos, all in under 60 seconds.
Computer vision assesses damage severity from photos. Carrier tracking data, GPS, and delivery records are cross-referenced in real time.
Claims matching your policy rules are approved instantly. Edge cases and high-value claims route to your team with full AI context attached.
The customer receives an email with the resolution, refund, reship, or store credit, with no waiting, no back-and-forth.
Four AI systems work together to analyze, verify, and resolve claims faster and more accurately than any human team.
Computer vision analyzes customer-uploaded photos to detect and categorize damage severity: scratches, cracks, dents, or total loss - in seconds.
Cross-references tracking numbers, GPS data, delivery photos, and carrier status in real time to verify claim legitimacy automatically.
Auto-resolve straightforward claims or intelligently route complex ones to the right team member with full context, score, and recommendation.
Pattern analysis flags suspicious behavior: repeat claimers, mismatched evidence, velocity anomalies - before a payout is ever issued.
See how AI transforms every metric in your claims operation.
Configure auto-approval thresholds, evidence requirements, resolution routing, and escalation paths. Your policy, enforced perfectly by AI.
Track claim rates, resolution times, costs, fraud trends, and team performance from a single real-time dashboard. Make data-driven decisions to optimize your claims operation.
Everything you need to know about getting started with Umbrella.
The AI cross-references multiple data points: customer-uploaded photos, carrier tracking data, delivery confirmation, GPS records, and your configured policy rules. It calculates a confidence score and either auto-approves (if confidence is high and the claim is within your threshold) or routes to your team with a full recommendation and evidence summary.
Absolutely. You have full control. Any auto-resolved claim can be reviewed, reversed, or modified by your team. You can also set rules to require manual approval for specific scenarios: high-value claims, repeat claimers, or specific product categories.
Umbrella handles claims across all protection types: shipping protection (lost, damaged, stolen packages), extended warranty (product defects, malfunctions), and OEM warranty (manufacturer coverage). Each claim type has its own AI model trained on relevant data and resolution patterns.
Our fraud engine runs in real time on every claim. It analyzes patterns like claim frequency per customer, evidence consistency, delivery vs. claim timing, and cross-references with known fraud signals across our network. Suspicious claims are automatically flagged and held for manual review; no payout is issued until cleared.
You configure which resolution options are available: full refund, partial refund, replacement/reship, store credit, or discount code. Rules can be set per claim type, product category, order value, or customer tier. The AI selects the optimal resolution based on your configuration.
Claims automation is available immediately when you connect your store to Umbrella. Import your existing claim history for the AI to learn your patterns, or start fresh with our recommended defaults. Most merchants are fully live within 24 hours.
Powering warranty and protection programs for businesses of every kind
Protection plans for e-bikes & e-scooters
Vehicle protection, simplified
Device coverage, registration to resolution
Coverage for sports & recreation equipment
Flexible plans for every appliance
Guarantees for nurseries & garden retailers
Protection plans for e-bikes & e-scooters
Vehicle protection, simplified
Device coverage, registration to resolution
Coverage for sports & recreation equipment
Flexible plans for every appliance
Guarantees for nurseries & garden retailers
See why leading e-commerce brands trust Umbrella to power their warranty programs.
I rarely leave app reviews, but this one has been such a game changer. โฆ We can now fully customize warranties for each product or collection and manage claims internally.
The best warranty app by far. Great support team.
Umbrella has been great for us. The ability to customize warranties by product or collection is a huge plus. โฆ It has actually turned into a solid revenue stream for us.
Love the app so far, and it is a great added revenue stream for us. Customer service team was super helpful with onboarding and very responsive.
The product is very clean and easy to use. Best of all is their customer support. It is top tier!
Their support made the process much easier to navigate. Feliks in particular was incredibly patient, and I truly appreciate all of them sticking with me every step of the way. THANK YOU TEAM UMBRELLA!
The team were so helpful, they created a bespoke widget for us that matched the look of our store.
Great app, easy to implement. Support team is very helpful.
Innovative and cool idea. Works really well and feels incredibly polished.
Join 500+ brands using Umbrella to sell, manage, and optimize their warranty programs. Start free today.
No credit card required. Free plan available.
