Insurers are non-renewing homeowners from aerial photos — sometimes old, sometimes of the wrong house, sometimes taken before your new roof existed. GroundProof is the counter-file: dated, provenance-stamped proof of your home's real condition, kept before a notice ever arrives — and a dispute packet that puts the ground truth in front of your insurer when one does.
Homeowners start with a 14-day Readiness trial · The free file holds 1 property, forever · No card required
No — and that line is deliberate. GroundProof is not a public adjuster, not an insurer, and not a law firm. It organizes your documentation and prepares your packet. It never contacts your insurer, never files or submits anything, and never negotiates or represents you. You send everything yourself, in your own name. That is also why SecondCheck is a flat $79 fee and never a percentage of any amount released — a percentage-of-recovery fee is the signature of adjusting, and we don't do it.
Regulators have answered this. Licensed-professional documentation carries the weight — a roofer's or inspector's dated report, contractor invoices and permits. Vermont's Bulletin 241 orders insurers to timely review evidence an insured submits and names the exact case: a roof replaced after the aerial photo was taken. GroundProof's packet index ranks evidence the same way: professional inspections first, contractor records next, your own dated photos — each with its recorded provenance — behind them.
A growing number do. Vermont, Tennessee, North Carolina and Connecticut have live regulator guidance requiring precise non-renewal reasons, copies of the imagery used, and review of homeowner-submitted evidence; a national model act adds date-stamped images and a 60-day cure window. See the State rights page for the verified table — and its honest gaps: Florida and Texas have no imagery-cure statute yet. General information, not insurance or legal advice.
Only you — and a roofer or agent you choose to share a property with, using an invite code you generate and can revoke at any time. Partners see shared files read-only; with your permission (a per-property toggle) they can contribute their own professional evidence, stamped with their name, company and license number. Their private working notes are never shown to you, and they can never change your records.
One property, the full photo log and document vault, records, the mitigation checklists, and a printable evidence-file summary — free forever, because the file only works if it exists before the notice arrives. Paid pieces are the assembled packets (Sprint, SecondCheck), the Readiness Plan's monitoring across up to 3 properties, and Partner seats.
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Dated ground truth. GroundProof stamps every upload with the time it entered your file and a SHA-256 fingerprint — that's its provenance.
The items insurers and mitigation programs look for, by risk type. Check off what's true of your home today, with the date — a checked item plus a mitigation photo is evidence, not just a claim. General information, not insurance advice.
A non-renewal notice starts a clock. Log the notice exactly as written — especially the response deadline printed on it. GroundProof assembles your evidence into the packet; you review it, edit the cover letter, and send it yourself. GroundProof never contacts your insurer.
Paste the text of your non-renewal notice below. A simple rule-based helper looks for the insurer's name, dates, and the stated reason, and pre-fills the case form. Check every field against your notice before saving — you confirm everything; nothing is sent anywhere, and the deadline that counts is always the one printed on your notice.
See what they see. Your insurer judged this home from a licensed imagery report — order your own copy of the same kind of report, from inside this file. A person on our team places the order with a licensed imagery provider, checks that the report matches this address, and files it here as Professional-tier evidence attributed "Licensed imagery report". $59 one-time per report. If we cannot fulfill an order, it is marked failed and flagged for a refund — refunds are issued manually from Stripe by the GroundProof owner; GroundProof never moves money itself.
When a claim settles on replacement cost, your insurer pays part now (ACV) and holds the rest — recoverable depreciation — until you document that repairs are complete, inside a deadline set by your policy. Miss it and the held money can be permanently forfeited. SecondCheck tracks the deadline, organizes your repair documentation, and assembles the release packet you send yourself. GroundProof is not a public adjuster: it never contacts your insurer, never negotiates, and charges a flat $79 per claim — never a percentage of anything released.
Verified regulator positions, with their instruments named. Bulletins and bills change — check your state insurance department for the current position. General information, not insurance or legal advice.
Deletes your account, every property file, claim, and uploaded file. This cannot be undone.