Resolve claims in minutes, not days.
AI-powered claim verification, photo analysis, and auto-resolution. Reduce costs by 80%, delight customers, and eliminate manual review backlogs.
From claim to resolution: fully automated
Four steps. Zero manual reviews. AI handles the entire claim lifecycle from intake to resolution.
Customer files claim
Through your branded portal, customers select their order, describe the issue, and upload photos, all in under 60 seconds.
AI analyzes evidence
Computer vision assesses damage severity from photos. Carrier tracking data, GPS, and delivery records are cross-referenced in real time.
Auto-resolve or escalate
Claims matching your policy rules are approved instantly. Edge cases and high-value claims route to your team with full AI context attached.
Customer notified
The customer receives an email with the resolution, refund, reship, or store credit, with no waiting, no back-and-forth.
Intelligence built into every claim
Four AI systems work together to analyze, verify, and resolve claims faster and more accurately than any human team.
Photo AI
Computer vision analyzes customer-uploaded photos to detect and categorize damage severity: scratches, cracks, dents, or total loss - in seconds.
Carrier Verification
Cross-references tracking numbers, GPS data, delivery photos, and carrier status in real time to verify claim legitimacy automatically.
Smart Routing
Auto-resolve straightforward claims or intelligently route complex ones to the right team member with full context, score, and recommendation.
Fraud Detection
Pattern analysis flags suspicious behavior: repeat claimers, mismatched evidence, velocity anomalies - before a payout is ever issued.
Manual claims vs. AI-powered automation
See how AI transforms every metric in your claims operation.
- 3–7 days average resolution time
- $18–25 cost per claim
- 4+ handoffs per claim
- Inconsistent decision quality
- None real-time visibility
- <4 hours average resolution time
- $3–5 cost per claim
- 0–1 human touchpoints
- Policy-consistent decision quality
- Full dashboards real-time visibility
Full control over every claim decision
Configure auto-approval thresholds, evidence requirements, resolution routing, and escalation paths. Your policy, enforced perfectly by AI.
- Auto-approve thresholds: claims under $50 resolve instantly without review
- Evidence requirements: set what's needed per claim type (photo, video, receipt)
- Resolution routing: refund, reship, store credit, or discount by value & category
- Escalation paths: automatically route flagged claims to senior agents or managers
Every claim metric, at a glance
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.
- Claim funnel: filed, in-progress, resolved, and denied at a glance
- Cost tracking: per-claim cost, total payouts, and net impact over time
- Fraud intelligence: flagged claims, blocked payouts, and risk scoring
- Carrier insights: loss rates by carrier, region, and product category
Frequently asked questions
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.
Trusted Across Industries
Powering warranty and protection programs for businesses of every kind
E-Bikes
Protection plans for e-bikes & e-scooters
Automotive
Vehicle protection, simplified
Electronics
Device coverage, registration to resolution
Sports
Coverage for sports & recreation equipment
Home Appliances
Flexible plans for every appliance
E-Bikes
Protection plans for e-bikes & e-scooters
Automotive
Vehicle protection, simplified
Electronics
Device coverage, registration to resolution
Sports
Coverage for sports & recreation equipment
Home Appliances
Flexible plans for every appliance
Loved by thousands of brands
See why leading e-commerce brands trust Umbrella to power their warranty programs.
Consumer Electronics Umbrella increased our warranty attachment rate from 12% to 47% in the first quarter. The AI claims engine alone saved us 30 hours per week.
JR 
TG 
Retail & E-Commerce The compliance features are what sold us. SOC 2 ready out of the box, full audit trail, and their team understands warranty regulations inside and out.
SP 
EM 
Home & Garden We went from zero warranty revenue to $40K/month in 90 days. The Shopify integration was live in under an hour. Best ROI of any tool we've added.
MK 
HE Ready to turn warranties into revenue?
Join 2,500+ brands using Umbrella to sell, manage, and optimize their warranty programs. Start free today.
No credit card required. Free plan available.
