Verified property data. Before and after every storm.

PropertyVault's pre-loss verification system gives insurance carriers the proof they need to reduce fraudulent claims, accelerate approvals, and protect margins.

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The Problem: Unverified Damage Claims

Insurance carriers face a critical challenge: when storm damage claims arrive, they lack proof of pre-existing conditions. Homeowners may have had pre-existing damage, but without documentation, carriers can't defend against claims. This leads to:

The Solution: Pre-Loss Verification

PropertyVault creates a permanent, timestamped record of property condition BEFORE storms occur. When a claim arrives, carriers have verified before/after documentation.

1
Pre-Loss Record
Homeowners create timestamped condition records with high-resolution inspection imagery.
2
Storm Detection
PropertyVault automatically logs weather events tied to specific properties.
3
Post-Storm Inspection
Immediate post-storm professional inspection captures current condition.
4
Verified Timeline
Carriers receive timestamped before/after damage documentation ready for claims processing.

What Insurance Carriers Get

PropertyVault delivers the verified data you need to defend claims and reduce fraud.

Pre-Loss Verification Records
Timestamped, professionally-verified baseline condition with high-resolution imagery. Documentation built for insurance claim readiness.
Automated Storm Event Logging
Automatic NOAA/radar detection links weather events to specific properties with precise timestamps.
Before/After Comparisons
Side-by-side damage analysis showing exactly what the storm caused vs. pre-existing conditions.
Condition Score Timelines
Historical roof condition trends showing deterioration over time. Prove pre-existing issues through data.
Verified Damage Documentation
Professional inspection records and imagery that streamline claims processing and reduce disputes.

Measurable ROI for Carriers

PropertyVault directly impacts your bottom line through fraud reduction, claim acceleration, and reduced litigation.

Fraud Reduction
40%+
Verified baseline data eliminates unsubstantiated claims
Claim Acceleration
60%
Before/after documentation speeds approvals
Litigation Savings
$K to $M
Documented proof reduces claims disputes and litigation
Premium Discounts
2-3%
Offer to policyholders with vaulted homes
Proprietary Intelligence

Predictive Intelligence for Smarter Claims

RoofVault's patent-pending scoring algorithms give carriers data-driven insights to prioritize inspections, validate claims faster, and reduce loss ratios.

Storm Damage Probability Score
Patent-pending algorithm

A property-specific percentage likelihood that a storm caused qualifying roof damage. Calculated from wind speed, hail size, roof age, material type, condition baseline, and storm proximity.

  • Prioritize adjuster dispatches to high-probability properties
  • Flag low-probability claims for additional review
  • Reduce fraudulent payouts with data-backed scoring
  • ML-enhanced accuracy as verified claim data feeds back
Claim Readiness Score
Patent-pending algorithm

Evaluates vault documentation completeness to determine if a property has sufficient evidence to support or defend against a claim. Scores pre-loss baselines, storm event logs, post-storm inspections, and condition timelines.

  • Instantly assess documentation strength for any claim
  • Accelerate well-documented claims through auto-approval
  • Identify documentation gaps before litigation begins
  • Reduce dispute resolution time with verified records
Deterioration Prediction Model
Patent-pending algorithm

Predicts when a roof will need replacement using material lifespan data, condition score trajectory, cumulative storm exposure history, and regional climate factors.

  • Inform underwriting decisions with roof lifespan data
  • Proactively identify high-risk properties before claims
  • Validate whether damage is age-related vs storm-caused
  • Support premium pricing with property-level risk profiles

These scoring systems improve with every property added to the vault. As verified claim outcomes feed back into the models, prediction accuracy increases — creating a compounding data advantage no competitor can replicate.

Patent-pending technology · PropertyVault Intelligence

Ready to reduce claims costs?

Schedule a call to learn how PropertyVault can transform your claims process and protect your margins.

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