The real test of your insurance
Anyone can sell you a policy. What matters is what happens when something goes wrong. We built our claims process around one idea: you shouldn't have to fight your own insurance company.
What a claims experience really means
Most insurance companies treat claims as a cost to minimize. We treat them as the reason you bought coverage in the first place. A fast, fair claims process protects your revenue, your owner relationships, and your reputation.
Your claim never leaves our building
Most insurers outsource claims to third-party administrators who don't know your business, your properties, or your owners. We don't. Every claim is reviewed, approved, and paid by our team.
AI-assisted, human-approved
When you file a claim, our AI reads the policy, matches it to the damage type, checks coverage limits, and flags anything that needs a closer look. Then a licensed adjuster reviews everything before payment is approved. The AI handles the paperwork — a human makes the call.
From filing to payment in 4 steps
Most covered claims paid within 2 business days — directly to your account.
Submit
Upload photos, a damage description, and your cost estimate through our claims portal.
AI Confirms
Our AI matches the claim to the specific policy, confirms coverage, and flags anything that needs follow-up.
Adjuster Reviews
A licensed adjuster reviews the coverage determination and confirms the payout amount.
Payment Issued
Funds are sent directly to your bank account. Most covered claims are paid within 2 business days.
What this looks like in practice
Kitchen appliances, counters, and cabinets destroyed. Smoke damage throughout the unit. Covered under your Damage Control policy.
6 weeks of bookings cancelled. You owe the homeowner contractual income. Covered under your loss of business income endorsement.
The homeowner gets paid for the damage and the lost income. They stay with your company instead of pulling their listing.
Without the right coverage, this scenario costs you $30,000 to $50,000 out of pocket — and probably a homeowner. With Velaris, a claim like this is filed, reviewed, and paid within days.
Why online reviews of claims matter
Before you buy insurance, search "[company name] claims review." If you find stories about denied claims, slow payouts, and phone trees that go nowhere — that's what you're buying. A cheap policy with a terrible claims process isn't a deal. It's a liability.
What to look for
- How fast are claims paid?
- Are claims handled in-house or outsourced?
- Do reviewers mention specific adjusters by name?
- Are denied claims explained clearly?
What to watch out for
- ✗"I've been waiting 3 months for a response"
- ✗"They denied my claim without explanation"
- ✗"I can never reach a real person"
- ✗"They outsourced my claim to a company I've never heard of"
Frequently asked questions
How do I file a claim?
Log in to claims.velarisinsurance.com, upload photos of the damage, describe what happened, and include your cost estimate. You can file a claim any time — the portal is available 24/7.
How long does it take to get paid?
Most covered claims are paid within 2 business days of adjuster approval. Payment goes directly to your bank account on file.
What if my claim is denied?
If a claim falls outside the coverage terms, we'll explain exactly why and walk you through your options. You can appeal a decision or provide additional documentation for reconsideration.
Do I need to get repair quotes before filing?
No. You can submit your own cost estimate when you file. If additional documentation is needed, your adjuster will let you know.
Can I track the status of my claim?
Yes. Every claim has a status page in the claims portal showing exactly where it is in the process, what's been reviewed, and when to expect payment.
Ready to file a claim?
Our claims portal is available 24/7. File a claim, track its status, and get paid — all in one place.
File a Claim