The homeowner's insurability file
GroundProof keeps a dated, provenance-stamped record of your home's true condition — roof, repairs, inspections, mitigation — so if a non-renewal letter ever lands, your answer is already built.
Built for homeowners in wildfire, storm, and coastal states — and for anyone whose roof is being photographed. No policy sold, ever. This is your file, not your insurer's. Staying ready year-round: the Readiness Plan, $59/yr.
Carriers now review aerial and satellite photos to set renewals — sometimes photos that are months old, low-resolution, or of the wrong house entirely.
A non-renewal usually comes with a short cure window. Scrambling for proof after the letter arrives is how homeowners run out of clock.
Dated ground-level photos, roof records, and inspection reports — stamped with when and where they were taken, and organized the way a reviewer asks for them.
The problem
Non-renewals based on aerial imagery are now routine in high-risk states. The process isn't a conspiracy — it's a workflow. And a workflow can be answered with documentation, if the documentation exists.
Roof condition, debris, tree overhang, even a trampoline — read from a photograph taken from an aircraft or satellite, often without anyone visiting your home.
Images can predate your new roof, show a neighbor's property, or mistake shadows and tarps for damage. The photo is treated as fact until someone shows otherwise.
The letter typically gives you a fixed window — often around 60 days — to correct the record or find new coverage, which in a high-risk market can mean a state plan at two or three times the price.
How it works
Three steps, most of them done once a year, in about an afternoon.
Walk your home with our guided photo sets — roof, each elevation, yard, mitigation features. Add roof invoices, repair records, and any inspection reports. Every item is date- and location-stamped as it goes in.
GroundProof tracks your renewal date and your file's freshness, and prompts you to refresh photos after repairs, storms, or a roof replacement — the moments that change what the sky sees.
If a non-renewal or condition letter arrives, GroundProof assembles your evidence into a dispute packet matched to the reason given, ready to send inside the cure window.
What's in the file
Your insurability file holds the ground truth about your home, organized the way the other side's process expects to receive it.
Guided ground-level photos of the roof, elevations, and grounds — each stamped with date, time, and location, refreshed on a schedule.
Roof age, material, installer, invoices, and warranties — the records that answer the single most common reason for aerial non-renewals.
Licensed inspection reports (including wind-mitigation and four-point inspections where your state uses them), stored with the file.
Defensible space, tree work, ember-resistant vents, fortified-roof certifications — the improvements insurers say they want, documented.
Original files with their metadata intact and a tamper-evident history, so a photo from March can't be mistaken — or dismissed — as a photo from last week.
When a notice names a reason, the file answers it point by point: their claim, your dated evidence, and the supporting records, in one document.
SecondCheck — depreciation rescue
On many property claims, your insurer pays part of the settlement up front and holds back the rest as recoverable depreciation. That held-back amount is released only when you submit documented proof the repairs were completed — and only inside a deadline written into your policy. Miss the paperwork or the date, and money owed on your own claim quietly stays with the insurer. SecondCheck tracks the withheld amount, the deadline, and the proof required, and builds the release packet from your repair records.
No one calls to remind you. The deadline passes in the middle of rebuilding your kitchen, and a four-figure sum — sometimes five — is simply never paid. SecondCheck exists so that doesn't happen on a technicality.
Pricing
When the notice lands, the Sprint is the offer: a flat $99, no subscription required. If you'd rather be ready before the letter ever comes, the Readiness Plan keeps your file current year-round — and includes one Sprint credit a year.
When a notice lands
$99 /sprint
A focused response, assembled fast, inside your cure window. The place to start if you're holding a letter.
Stay ready year-round
$59 /yr
Your standing evidence file, monitored and kept current — $59/yr, or $9/mo if you'd rather go monthly.
SecondCheck
$79 /claim
Recover the depreciation your insurer is holding back. Flat per claim — never a percentage of your money.
For roofers & agents
$49 /mo
Give every client a file before they ever need one.
What we are — and aren't
GroundProof works for homeowners. We sell no policies, take no commissions from insurers, and never share your file with a carrier without your say-so.
Your photos and records belong to you, exportable at any time. Provenance metadata is preserved, never stripped, so your proof stays proof.
GroundProof organizes your documentation. It does not negotiate with insurers, and it is not a public adjuster, a broker, or a law firm. General information only — not insurance or legal advice.
Questions
Straight answers, including the limits.
Increasingly, the process is built to receive it. A growing number of states now require insurers who rely on aerial imagery to tell you what they relied on, and give you an opportunity to respond or correct the record before a non-renewal takes effect — and regulators are actively extending these rules. What those processes ask for is dated, verifiable documentation of your home's actual condition, which is exactly what the file holds. Rules vary by state and are changing, and no documentation can guarantee a particular outcome — but an organized, provenance-stamped record is the strongest answer the process accepts.
Usually not — that's what the Dispute Sprint is for. Bring the letter; we work from its deadline. We inventory what proof you already have (invoices, old photos, inspection reports), identify what's missing, guide any reshoot, and assemble the packet point by point against the reasons in the letter. The earlier in the window you start, the more options you have — but a file built in a week still beats a scramble in the final days.
You can, and you should — some documentation is far better than none. What GroundProof adds is structure and staying power: guided sets so nothing a reviewer asks for is missing, metadata preserved instead of stripped by messaging apps and cloud backups, records stored beside the photos they prove, refresh reminders when your home changes, and a packet assembled in the format the process expects. The phone is the camera. This is the file cabinet, the calendar, and the cover letter.
Neither. GroundProof sells no insurance and adjusts no claims. It is a documentation service: it organizes your evidence and tracks your deadlines. It does not negotiate with insurers, represent you in a claim, or give insurance or legal advice. If your situation needs a licensed public adjuster, an agent, or an attorney, your packet makes their job faster — and we'll say so plainly when that's the right call.
Tell us about your open claim: the amount withheld as recoverable depreciation, the deadline in your policy, and the proof your insurer requires. SecondCheck tracks all three, prompts you as repairs complete, and assembles the release packet from your invoices, contracts, and completion photos. Insurers release withheld depreciation on documented proof submitted in time — SecondCheck makes sure the proof exists and the date doesn't pass quietly. Readiness members get claim tracking included; the rescue packet is a flat $79 per claim.
Start your insurability file today — free for one property. No card, no policy sold, ever.
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