in total damage attributed to Hurricane Ian, with roughly $67B of it in private insured losses
Claimed source: Insurance Information Institute / Claims Journal — verification pending
Roofing — now onboarding
The roof record that exists before the claim.
Forensic pre-loss roof documentation for Florida property owners: a drone aerial and thermal record of your roof, sealed with an independently checkable timestamp before any storm and any claim. The timing is the entire point — a record created after a loss can always be argued with, while one sealed before it cannot be backdated.
What makes a roof record worth relying on later?
A roof record earns its weight from how it was made, not from what anyone later says about it. The HomeCloneVault roofing capture keeps that chain intact from the driveway to the ledger: a licensed pilot flies the documented aerial and thermal passes, the raw image files are SHA-256 hashed on-site before anything is uploaded, the custody log ties pilot identity, timestamps, GPS data, and device identifiers to the visit, and the hashes are anchored to public blockchains through OriginStamp. A reviewer who receives the record years later can recalculate a file's hash and compare it with the public anchor without trusting HomeCloneVault at all.
That structure matters most in the exact argument roof claims turn on. When a carrier questions whether damage predates a storm, the useful answer is not a louder opinion — it is a dated record whose integrity can be checked independently. The sealed baseline does not say what caused any later condition; it says what the roof looked like, in visible and thermal detail, on the recorded date. Cause, coverage, and value stay with the licensed professionals on each side.
How should an owner maintain the baseline?
- Keep the sealed record, custody documentation, and anchoring proofs together as one package.
- Share the record through view-only links when an adjuster or attorney needs to review it, so the original files stay unchanged.
- Request a verification certificate when a reviewing party wants to confirm the record against the public anchors.
- Refresh the record on an two-year recertification cadence — a fresh capture and a fresh seal — so the baseline keeps pace with the roof it describes, especially after repairs or replacement.
HomeCloneVault's roofing service is documentation, not inspection, adjusting, or advocacy. It does not certify a roof's remaining life, interpret an insurance policy, estimate a claim, or negotiate with a carrier, and it is designed to support authentication under FRE 901 and 902(13)/(14) rather than to promise that any record will be admitted or that any claim will succeed.
Key terms
- Thermal / IR pass
- An infrared imaging sweep that records temperature patterns across the roof surface as they existed on the capture date.
- Chain of custody
- The logged sequence connecting pilot identity, timestamps, GPS data, device identifiers, and file handling to the documented capture visit.
- Pre-loss baseline
- A sealed record of roof condition created before damage and before any claim or dispute exists.
- Seal
- The on-site SHA-256 hashing and public-blockchain anchoring that make any later alteration of the record detectable.
Quick answer
HomeCloneVault’s first live offer is forensic pre-loss roof documentation: drone aerial and thermal/IR capture of your roof by FAA Part 107 licensed pilots, SHA-256 hashed on-site under a documented chain of custody and anchored to public blockchains via OriginStamp. It is built for Florida property owners whose next roof claim will turn on one question — what existed before the storm — and it answers that question with a sealed record created while the answer was still provable.
- The most disputed claim
- The Florida market
- Two sides, one missing baseline
- What we capture
- What you receive
- Chapter one of the full vault
- FAQ
The most disputed claim in property insurance
Roof claims are where property insurance arguments concentrate, and the most common denial has a familiar shape: that damage was pre-existing. It is a powerful argument precisely because, in most disputes, nobody can prove otherwise — the only photographs of the roof were taken after the loss, by someone with a stake in the outcome, on a date no one can independently confirm.
A sealed, timestamped pre-loss roof record refutes that argument on contact. Not by shouting louder, but by existing: aerial and thermal imagery of the roof as it was, hashed on-site on the capture date, with an anchor on public blockchains that no party to the dispute controls. Either the documented condition matches the carrier’s theory or it does not — and either way, the question is settled by a dated record instead of a recollection contest.
This works in both directions, deliberately. The same sealed baseline that protects an honest homeowner from an unfair “pre-existing damage” denial protects a carrier from a fabricated or inflated claim. A trusted record serves whoever is telling the truth.
The Florida market this record answers to
Two figures frame why documentation integrity matters right now, and both are independently published: 99% of insurers say they have encountered manipulated or AI-altered documentation (Verisk State of Insurance Fraud study, March 2026), against roughly $45B in annual U.S. property & casualty insurance fraud (Coalition Against Insurance Fraud, 2022 report). The Florida-specific figures below describe the market this product launches into; each carries its claimed source and remains under verification before launch.
Florida property insurers became insolvent in 2022, while a dozen or more left the state or stopped writing new policies
Claimed source: Insurance Information Institute — verification pending
average annual Florida homeowners premium — roughly three times the ~$2,000 national average
Claimed source: Bankrate — verification pending
the large majority of U.S. homeowners-insurance lawsuits are filed in Florida
Claimed source: insurance.com / Insurance Information Institute — verification pending
of Florida home claims closed with no payment by 2024 — the highest rate in the nation
Claimed source: Claims Journal, 2026 — verification pending
Two sides, one missing baseline
What the industry experienced
Door-to-door roofing solicitation combined with one-way attorney fees drove a litigation explosion in Florida. The 2022–23 legislative reforms ended one-way fees and cut the window for filing a claim from three years to one.
What policyholders experienced
A Washington Post investigation found claims cut by 45% to 97% across thirteen reviewed cases, roof replacements downgraded to repairs, and “pre-existing damage” among the most common grounds for denial.
Both of those accounts are documented, and HomeCloneVault serves neither side of the fight. The common thread in both is the absence of a trusted baseline: when nobody can prove what a roof looked like before the loss, the honest homeowner cannot rebut an underpayment and the carrier cannot rebut a fabrication — and everyone pays for the uncertainty. A sealed pre-loss roof record removes that uncertainty for one roof at a time. It protects an honest owner from an unsupported denial and a carrier from a manufactured claim, because the record was fixed before either had a reason to argue.
What we capture
The roofing capture is drone-led and deliberately lean: aerial and thermal documentation of the roof and its details, sealed under the same custody discipline HomeCloneVault applies to everything it records. Every flight is flown by an FAA Part 107 licensed pilot using an enterprise mapping-class drone, and the raw files never leave the site unhashed.
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01
Dispatch and flight
A scheduled visit opens the custody log. An FAA Part 107 licensed pilot flies the roof — every slope, elevation, penetration, and flashing detail in high-resolution aerial imagery.
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02
Thermal / IR pass
An infrared pass records thermal patterns across the roof surface as they existed on the capture date — measurements on the record, not an opinion about them.
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03
On-site hashing
The raw files are SHA-256 hashed on-site, before any upload or processing, so the record’s identifiers are fixed at the moment of capture.
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04
Chain of custody
Pilot identity, timestamps, GPS data, and device identifiers are logged, and the capture is attested on-site — every file traceable to the documented visit.
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05
The seal
The hashes are anchored to public blockchains via OriginStamp. Any later change to a file produces a mismatch against the public anchor — tampering proves itself.
What you receive
The sealed roof record
The raw aerial and thermal files preserved exactly as captured, with the custody log that explains who created them, when, and where.
A verification certificate, on demand
The hashes and anchoring proofs, packaged so any reviewer can check a supplied file against the public blockchains — without trusting HomeCloneVault.
View-only sharing
Tokenized, revocable links let you authorize an adjuster or attorney to review the record while the original files stay unchanged in your control.
Re-certification every two years
A fresh capture and a fresh seal on a two-year cadence, so the baseline keeps pace with the roof — especially after repairs, replacement, or a hard season.
The roofing capture starts at $1,499 once at onboarding, with continuous protection at $89/month and re-certification included every two years. Roof size, pitch, height, and access set the final figure, which is confirmed in a founding-client conversation — see the pricing page.
Chapter one of the full vault
Roofing is where HomeCloneVault begins, not where it ends. The roof is the most disputed surface of the property, so it gets the first sealed record — and the same custody discipline then extends to the full-property vault: the complete interior and exterior digital twin, the moisture baseline, and the whole seven-step chain described on the process page. A founding roofing client is simply starting the vault with its most contested chapter.
Request a founding-client conversation.
Roofing captures are being scheduled now, ahead of the January 2027 Southwest Florida launch — real figures for your roof, no obligation.
Join the waitlistFrequently asked questions
What is forensic pre-loss roof documentation?
A professional drone aerial and thermal/IR record of your roof, captured before any loss, hashed on-site under a documented chain of custody, and anchored to public blockchains. The result is a sealed, dated baseline of roof condition that can be independently verified later — documentation, not an inspection opinion.
How does a pre-loss record answer a “pre-existing damage” denial?
That denial is an argument about what existed before the storm. A sealed, timestamped roof record answers the question directly: the aerial and thermal imagery shows the roof as it was on the recorded date, and the public blockchain anchor shows that the record predates the loss and has not been altered since. It replaces a recollection contest with a dated, checkable document.
What does the roofing capture cost?
The roofing capture starts at $1,499, once at onboarding, and continuous protection is $89 per month with re-certification included every two years. Roof size, pitch, height, and access affect the final figure, so a founding-client conversation through the waitlist confirms the number for your specific roof. The first ten founding clients lock 30% off the capture for life, and no payment is taken before launch.
Does this guarantee my roof claim will be paid?
No, and no documentation service can promise that. HomeCloneVault does not interpret policies, estimate claim values, or negotiate with carriers. The record is designed to support authentication under FRE 901 and 902(13)/(14); admissibility is always determined by the court, and claim decisions rest with the carrier and the licensed professionals involved.
Is this a roof inspection?
No. An inspection produces a professional opinion about condition and remaining life. A HomeCloneVault capture produces a sealed factual record — imagery, thermal data, custody logs, and verification proofs — that an inspector, adjuster, attorney, or carrier can then evaluate. The two complement each other; they are not the same service.
Can I see an example of a completed roof record?
HomeCloneVault is pre-launch with no client captures yet, and it will not present anything as client work that is not. Any capture footage shown during a conversation is a demonstration and is labeled as one. Founding clients will be among the first roofs sealed.
Page published . Statistics on this page carry their original source and publication date.