National Insurance Claim & Restoration Specialists
Damage Claim Documentation. Comprehensive Loss Estimating. Restoration Consulting.
Dallas • Fort Worth • North Texas

The Complete Loss.
Documented From Day One.

Most claims get patched together after the fact — an inspection here, missing items there, supplements, re-inspections, delays. HomFax™ builds the loss package right the first time: a forensic-level inspection, SHA-256 verified photographic evidence, a comprehensive itemized restoration estimate, and the building-code research to support it — the complete picture, before the first formal review.

Request a free loss review See how it works
Forensic Inspections SHA-256 Evidence Integrity Comprehensive Restoration Estimating Code Compliance Research Patent Pending US 19/417,288

Document the Damage. Establish the Facts. Get It Right the First Time.

The Recovery Position — what we compute on every claim

Documented repair scope$19,450
Carrier approved$8,000
Approval gap — money on the table$11,450
Recoverable depreciation held back$2,350

Illustrative figures. On a real claim, every disputed dollar carries its proof: the photo, the measurement, the code citation, and the exhibit's fingerprint — sha256: 7e73fddbf95b…

What we do

See the inspection for yourself

Before a single number is argued, the loss is captured from the air, on the roof, and inside the walls — and every frame is sealed with a digital fingerprint the moment it's taken.

Eyes where a ladder can't go

Licensed drone flights map every slope, ridge, and penetration from above — high-resolution and thermal — so nothing on the roof goes undocumented, and nobody has to guess from the ground.

Drone inspection: front elevation and roof planes from above
DRONE INSPECTIONEvery elevation, documented
Drone inspection: full roof system overhead view
DRONE INSPECTIONThe whole system in one frame
Drone inspection: plan view mapping ridges, hips and valleys
DRONE INSPECTIONRidges, hips and valleys mapped
Drone inspection: close pass over slopes and penetrations
DRONE INSPECTIONClose passes over every penetration
A chalk test square on the front slope of a steep roof during a HomFax forensic inspection — eleven circled hail strikes, no wind damage, ladder set at the eave HOMFAX™ FORENSIC INSPECTION STEEP-SLOPE DOCUMENTATION

Not a drive-by estimate: a HomFax inspector at the ridge of a steep roof, where every chalk-circled hail strike is measured, photographed, and fingerprinted on the spot.

Including the damage you can't see

Water inside a wall can soak for weeks before the first stain appears. Our thermal imaging finds it while it's still invisible — before it becomes mold, rot, and a denied claim.

Thermal image: cold anomaly from hidden moisture inside a wall, 41°F against a 57°F wall
THERMAL — INTERIOR WALL Water inside the wall. No stain. No smell. Invisible. The blue zone reads 41°F against a 57°F wall — soaked material chilling the surface from behind, weeks before the eye could catch it.
Infrared image above a ceiling showing moisture tracking along framing near a chandelier
INFRARED — ABOVE THE CEILING Tracking the water's path without cutting a single hole. Infrared shows moisture moving along the framing above this ceiling — located, measured, and documented non-destructively.
Thermal overlay on shingles showing cool streaks where moisture travels beneath the surface
THERMAL — ROOF SURFACE Where moisture travels under sun-heated shingles. Cool streaks cut through a 195°F roof field — the signature of water moving where it shouldn't be.

Honesty note: a thermal image shows temperature, not water. Every anomaly we flag is verified with moisture readings before it enters your file — that's the industry standard (ASTM C1153), and it's why our findings hold up.

When the damage can't wait

Storm emergencies get same-day deployment. We document the loss exactly as the storm left it — before tarps, chainsaws, and cleanup crews change the scene — and emergency protection goes on through HomFax licensed and approved contractors.

Emergency deployment: an uprooted oak tree fallen against a brick home after a storm
EMERGENCY DEPLOYMENT Same-day response when a tree comes down. An uprooted oak against a brick home, documented from every angle before the cleanup crew arrives — because once the chainsaws start, the evidence your claim depends on is gone for good.
Close-range photo of a storm-opened shingle breach with cracked mat and exposed underlayment
CLOSE-RANGE DOCUMENTATION A breach the size of your thumb can ruin a ceiling. A storm-opened shingle at arm's length — cracked mat, exposed layers, a direct path for the next rain. Captured and fingerprinted before it becomes interior damage nobody can trace back.
Same home. Documented, then done right.

An old metal patch — gone. Drag the line.

An earlier repair had covered this section of the roof in mismatched metal panels. HomFax documented the full loss; then The Ambassador — a HomFax™ licensed and approved contractor — rebuilt it as one seamless, Class 4 impact-resistant, reinforced roofing system that matches the entire roof. Slide to compare.

After: seamless Class 4 shingle roof, fully matched
Before: mismatched metal panel patched into a shingle roof
↔
BEFORE — the metal patch AFTER — one claim later
Class 4 impact-rated shingles 3 days on site Lifetime warranty Get your roof reviewed like this →

Same home. Photos lightly color-corrected; no structural changes to either image. A HomFax™ documented project — work performed by The Ambassador, a HomFax™ licensed and approved contractor.

Start where you are

Which one sounds like you?

Most people don't search for a "claim specialist." They have one of these problems.

My claim was denied.

A denial is the carrier's position — not the end of the road. We review the damage findings and the denial's stated basis independently, against the evidence and your policy's actual wording.

Have the denial reviewed →

The check doesn't cover the repairs.

We compare the carrier's estimate against the documented damage line by line — what's missing, what's underpriced, what the building code requires — and put the gap in dollars, with proof attached to each line.

Compare the estimates →

My claim is just… stuck.

Texas law puts deadlines on your carrier — to acknowledge, to decide, and to pay (Tex. Ins. Code ch. 542). We track every clock on your claim and put passed deadlines in writing.

Check the deadlines →

It's a big, complicated loss.

Structure, contents, extra living expenses — large losses fail on documentation. Ours is inventoried, hash-sealed at capture, and assembled into an exhibit packet a carrier, appraiser, or court can verify.

Get the loss documented →

This is my first claim and I'm lost.

You'll see the whole process as twelve plain-language steps, with the next step always visible — and every step proven by the record, not by somebody's word.

Talk it through →

I just want to know where I stand.

Start with the facts: your property's storm history from federal weather archives, its documented condition, and an honest read on whether the claim is worth pursuing. Sometimes the answer is "you're fine."

Get the facts first →
Our philosophy

We don't patch up incomplete claims.
We document the complete loss — correctly, the first time.

The way it usually goes
  1. Quick inspection
  2. First estimate
  3. Insurer review
  4. Missing items discovered
  5. More documentation requested
  6. Supplements filed
  7. Re-inspection
  8. More review. More waiting.

Every loop costs weeks — and every gap in the record becomes a reason to question the rest.

The HomFax™ way
  1. Forensic-level inspection — cause, origin, extent, collateral damage, repair requirements
  2. SHA-256 verified evidence — tamper-evident records, original files kept, documented history
  3. Comprehensive restoration estimate — measured quantities, materials, labor, applicable code requirements
  4. One complete loss package — prepared for the policyholder and authorized professionals, before the first formal review

The goal: minimize preventable omissions, re-inspections and supplements. (Hidden damage and policy questions can still arise — honesty is part of the method.)

Why not just hire somebody?

A contractor sells repairs. An adjusting firm sells representation.
We deliver documentation — the part both of them depend on.

Here's the problem with every claim: it turns into your word against the insurance company's. The fix isn't a louder argument — it's a record the other side can check for themselves.

Just a contractor Just a public adjuster HomFax™ forensic documentation
Who do they work for? Themselves — they get paid when you buy a roof You — paid a share of the settlement You — and the record works for everyone, because anyone can verify it
What do they hand the carrier? A bid and some photos An estimate and a demand Sealed evidence: every photo fingerprinted at capture, every dollar tied to a photo, a measurement, or a building-code citation
Can the insurance company verify it? No — they re-inspect and argue Partly — it's still opinion vs. opinion Yes. They can recompute every fingerprint themselves. Checkable beats arguable.
The storm itself? "There was hail that day" Maybe a weather report Radar-verified storm history bound to your exact address — date of loss rests on meteorology, not memory
Deadlines on the carrier? Doesn't track them Tracks them by hand Every Texas prompt-pay clock computed automatically, with the statute named — passed deadlines go in writing
Conflicts of interest? Can't adjust the claim he's repairing — Texas law Can't profit from the repair — Texas law Roles separated by design, with conflict checks built into the platform itself
What's left when it's over? A roof A settlement Both — plus a permanent, provable property record that makes the NEXT claim, sale, or dispute easier

We're not against contractors or adjusters — we work with the good ones every day, each in their legal lane.
The difference is what sits underneath: a record nobody has to take on faith.

Before: metal panel edge with debris-filled gutter at the patio
BEFORE The edge the carrier's photos never showed: metal panel, trapped debris, a gutter that couldn't drain.
After: clean shingle valley and new patio entry
AFTER Same corner, documented and rebuilt by The Ambassador — clean valley, matched Class 4 shingles, new patio entry. Yours could be next →

Same home. Photos lightly color-corrected; no structural changes to either image.

Why this matters now

Anyone can fake a photo today. The industry knows it.

For decades, claims ran on "seeing is believing" — photos and paper trails, taken on trust. AI image tools ended that era: a convincing fake takes seconds. So carriers and their investigation units are moving to the two things a doctored claim can't fake — cryptographic verification of the files and parcel-level radar weather records matched against the inspection date. That's not our prediction of where claims are going. It's where they already are — and it's exactly what HomFax was built on.

The part nobody else has

Every photo gets a fingerprint. Try it yourself.

This is the heart of the whole system, and it's simple enough to explain in one minute.

1. What's a fingerprint?

When a photo of your damage enters HomFax, a computer runs it through a math formula called SHA-256. Out comes a 64-character code — the photo's fingerprint. The same photo always produces the same fingerprint.

2. Change anything, and it shows.

Edit one pixel — brighten it, crop it, touch it up — and the fingerprint comes out completely different. Not slightly different. Unrecognizably different. So if a photo's fingerprint still matches months later, that photo has not been touched. Period.

3. Nobody has to trust us.

SHA-256 isn't our invention — it's the same public standard banks and governments use. The insurance company can take our photo, run the same formula on their own computer, and check the fingerprint themselves. That's the difference between evidence they can argue with and evidence they can verify.

4. And the fingerprints are locked in time.

Each fingerprint is chained to the one before it and anchored to a ledger that can't be quietly edited — so the record also proves when everything happened. Change any old entry and the whole chain breaks, visibly. Your claim file can't be rewritten after the fact. Not by the carrier. Not even by us.

SEE IT WORK — TYPE ANYTHING

computing…

That box above is a real SHA-256 fingerprint, computed live in your browser — the exact same math we run on your loss photos. Change a single character and watch every digit scramble.

Honest limits: a fingerprint proves a file hasn't changed since it was recorded — it doesn't by itself prove when a photo was taken or what caused the damage. That's why ours is paired with a standardized capture protocol and radar-verified storm history.

Why this wins claims

What the fingerprint does for your claim

Claims stall when the other side can question your evidence. Sealed evidence takes that move off the board.

Ends "he said, she said"

Carriers routinely question whether photos were staged, edited, or taken after the fact. A sealed record is third-party-verifiable proof that your documentation existed, exactly as captured, at the moment of inspection. The argument is over before it starts.

Fewer "prove it" letters

Clean, unarguable evidence packages mean fewer re-inspections, fewer document requests, and fewer rounds of back-and-forth. When the adjuster can verify every file instantly, claims move instead of stalling.

Holds up where it matters most

In appraisal, Department of Insurance complaints, or court, digital evidence lives or dies on chain of custody. Cryptographic hashing is the scientifically defensible standard for exactly that — the same math used by banks and federal agencies.

Other ways people try to prove a photo is real — and why they fall short

MethodWhat it provesThe weakness
Phone photo info (EXIF / GPS) When and where the camera claims the photo was taken Easily changed, stripped, or faked with free software — and it doesn't protect the picture itself
"We followed procedure" (ISO / NIST protocols) That an investigator followed the rules while collecting evidence Governs the process, not the file — it can't mathematically prove the file wasn't altered later
Paper trails & signatures That documents passed through certain hands Lost, misfiled, degraded, disputed — the oldest problems in claims
SHA-256 fingerprint + anchored ledger (HomFax) Mathematical proof the file hasn't changed by a single bit, and a time-locked record of when it entered the file One honest limit: a fingerprint protects a photo from the moment it's taken — which is why we pair it with radar-verified storm history and a standardized capture protocol, so the origin is proven too

Procedures and paperwork build trust in people. The fingerprint removes the need for trust altogether.

How it works

Document. Compare. Resolve.

The same patented record that runs our claim platform works your claim.

1

Document the loss

Every photo and measurement is sealed with a digital fingerprint the moment it's captured — change one pixel later and the fingerprint won't match. Your property's storm history is pulled from radar and federal weather archives, so the date of loss rests on meteorology, not memory.

Tamper-evident. Verifiable by anyone.
2

Compare the numbers

The carrier's estimate is laid against the documented damage line by line: omitted items, short quantities, code-required work left out, depreciation held back. The result is your Recovery Position — requested, approved, and the gap, in dollars.

Every disputed line carries its proof.
3

Deliver the complete package

Everything becomes one organized, itemized loss documentation package — exhibits, measurements, code citations, statutory timelines — prepared for you and the authorized professionals reviewing it. When the situation calls for a licensed public adjuster, an appraiser, or an attorney, we say so plainly.

The right professional, in the right lane.
What we actually do

Six services. One complete loss package.

Forensic Property Inspections

Detailed examination and documentation of observable damage and suspected causation — cause, origin, extent, collateral damage.

Digital Evidence Integrity

SHA-256 hashed photographic records, original-file retention, and a verifiable evidence history nobody can quietly edit.

Comprehensive Loss Estimating

Complete, itemized restoration scopes grounded in observed conditions and measured quantities — not guesses.

Building Code & Restoration Compliance

Research into the repair standards and code-required operations that apply at your address.

Technical Claim Documentation

Organized factual evidence packages, prepared for the insured, the insurer, and authorized representatives.

Restoration Consulting & Coordination

Technical oversight, document control, and project coordination with approved contractors — within legally permitted boundaries.

The patented system behind every service

One claim lifecycle. Twelve verifiable steps.

Every HomFax service runs on the Ambassador blockchain claim-handling system (Patent Pending US 19/417,288). A claim moves through twelve steps, and each step turns green only when the record can prove it happened — not when somebody says it did.

1 · The event happens

A storm hits — the system already knows which properties were under it.

2 · The claim is opened

The property's entire documented history attaches from day one.

3 · Evidence is fingerprinted

Every photo is SHA-256 sealed the moment it arrives — change one pixel and the fingerprint breaks.

4 · AI reviews the damage

Machine observations stay clearly separated from inspector-confirmed findings.

5 · Written to the ledger

Fingerprints enter a tamper-evident chain nobody can quietly edit — not us, not a carrier, not a contractor.

6 · Checked against history

The claim is compared to the property's own record, so old damage can't pass as new.

7 · The carrier decides

Approval happens on verified evidence. HomFax documents and poses the question — the decision stays with the parties.

8 · Smart contract deployed

Approved funds and the contractor's performance stake lock in a blockchain escrow contract.

9 · Work performed & proven

Completion photos are fingerprinted and recorded in the contract itself.

10 · Independent QA sign-off

A qualified inspector verifies the finished work against the approved scope, on-chain.

11 · The contract pays — by itself

On final approval the escrow releases payment automatically. No chasing checks.

12 · The record lives forever

Storm, proof, repair, and payment become a permanent, verifiable part of the property's story.

7 products · 1 platform

Seven applications, one shared record

The patent system is delivered through seven applications that share one property identity, one evidence ledger, and one verifiable record — never seven disconnected databases.

HomFax PropertyCore

The master property record: 3.4 million+ properties with ownership, parcel, title and value history — and prior owners preserved, never erased.

HomFax BuildCode

Permit history and the building codes in force at your address — the code that applied then versus the code that applies now.

StormCast AMHIS

Address-level severe-weather intelligence: which storms hit this property, when, and how hard — the weather record claims are checked against.

HomFax RoofVision

Remote roof measurement, evidence-based roof age, and a dated aerial history — multiple sources reconciled, disagreements shown, never averaged away.

HomFax ClaimShield

Authorized prior-loss history under the four-fact rule — a reported loss, a claim, a payment, and a completed repair are never confused for each other.

HomFax EvidenceDossier

Hash-sealed reports anyone can independently verify at homfaxtm.com/verify.html — no account required, tamper-evident to the byte.

Pipely CRM

Field operations and sales intelligence for contractors, consuming the same verified property record — one truth, every seat.

Straight answers

What we will — and won't — tell you

Documentation is the product — representation stays licensed

HomFax prepares the technical loss documentation. Coverage decisions, negotiations, and claim settlement representation remain with appropriately authorized parties — and when licensed public adjusting is needed, it is provided under a separate TDI-prescribed contract (fees capped at 10%, 72-hour right to cancel).

TDI Public Adjuster License #3473995 · Tex. Ins. Code §4102.104
Roles stay separate — by law and by design

In Texas, a contractor repairing your property cannot also act as the adjuster on that claim. HomFax keeps adjusting, documentation, and contracting in separate lanes, with conflict checks built into the platform.

Tex. Ins. Code §4102.163
No promises about outcomes

Nobody can honestly guarantee a settlement. What we guarantee is the quality of the record: documented, sealed, and compared against your policy — so the outcome rests on evidence.

Results depend on the policy and the facts
Deadlines depend on your policy

Some policies require suit or notice within one year; others differ. We read yours and track the real dates — we don't advertise a universal deadline, because there isn't one.

Your policy controls — we check it
No cost. No obligation.

Request a free loss review

Tell us where things stand. A qualified professional looks at the facts and tells you — honestly — what the documentation shows and what the next step is.

✔ Your request has been received.
We'll reach out shortly — usually the same business day. A confirmation email is on its way to your inbox. Prefer to talk now? Call (844) 466-3290.

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Under the hood

Everything else HomFax does — in service of the claim

The claim practice runs on the HomFax platform: the patented property record that makes the evidence provable.

Property Intelligence

2.29 million property records — ownership, history, permits, building codes, valuations.

Property reports →
Storm Records

Radar-verified storm history for any address, from StormCast™ and federal weather archives.

Storm & inspection →
Forensic Inspection

Field capture tools, drone inspection, and the Forensic Desk — evidence sealed at the source.

How inspection works →
Claim Center

The professional workstation: the 12-step Journey, Recovery Position, deadline clocks, letters.

Professional login →
HomFax SIU

The fraud-investigation platform for carriers, TPAs, and authorities. Institutional access only.

About SIU →
The HomFax™ Journal

Plain-language guidance on Texas claims, storms, and property records.

Read the Journal →