HomFax SIU is a standalone fraud-investigation platform for carrier Special Investigation Units, third-party administrators, regulators and law enforcement. It checks a property claim against radar ground truth at that parcel on the claimed date, against the HomFax property baseline, and against the telemetry of every photograph submitted — then hands the investigating authority a sealed, Bates-numbered evidence packet. The engine flags and explains. The authority determines.
Every verification is stored whole — the storm history used, the property facts used, the captures examined — and sealed with a hash of its inputs, so any flag can be reproduced years later from exactly what the engine saw.
StormCast™ supplies per-roof radar hail signatures and ground reports within 3 km, plus the AMHIS forensic date-of-loss verdict. HomFax™ supplies the baseline: roof age and size, prior claims, and whether the property record's hash chain still verifies. Field captures arrive with GPS, heading, device identity, timestamps and a client-side hash the server reconciles against the bytes it received.
Seventeen indicators, each with a severity, the evidence behind it, and — where the finding is adverse — the question the claim must answer. A saturating 0–100 referral-priority score and a verdict: verified consistent, review recommended, flagged for SIU, or insufficient data. Missing data is a stated gap, never an adverse finding.
A Bates-numbered referral packet — property baseline, engine run, indicators, captures with hashes, storm events, canvass outcomes, the audit trail — sealed with SHA-256 and re-verifiable by the recipient. The authority's determination, or its documented silence, is recorded as claim history. The engine cannot conclude that fraud occurred.
Date-shopping after a storm that missed the house. Canvass rings that file thirty claims where the sky did nothing. Damage on the sheltered side of the roof. Photographs taken before the loss. Each has a named, explainable check.
The claimed date of loss against what fell at that parcel: hail size, wind speed, tornado signatures, the nearest qualifying event in either direction, and the AMHIS forensic verdict from federal archives.
TEMPORAL_DISCREPANCY · SUB_THRESHOLD_EVENT · FORENSIC_NOT_CONFIRMEDA deterministic index of a contractor's or public adjuster's book against verified hail footprints — with same-date and reporting-lag terms that separate a real storm from a canvass wave. Every term is recomputable from the claims it cites.
CONTRACTOR_RING_ALERT · PA_RING_ALERT · CAI ≥ 85Roof slopes classified as windward, cross or sheltered against the storm's motion. Damage confined to sheltered slopes while exposed slopes are clean becomes a question the claim must answer.
VECTOR_MISMATCH · VECTOR_MIXED · VECTOR_ALIGNEDPhotographs hashed on arrival and reconciled with the client's hash; capture GPS measured against the parcel; capture and EXIF timestamps against the claimed date; hardware attestation recorded. Nothing is overwritten.
PHOTO_PREDATES_DOL · CAPTURE_OFFSITE · HASH_MISMATCHThere is no public sign-up and no app-store build. Every account belongs to a named individual in a verified organization, holds one role, and is audited on every read and write of the investigative record.
HomFax SIU never issues a fraud finding. It documents what the evidence is consistent with, what it is not consistent with, and the question the claim must answer.
That posture is enforced in the software, not in a policy: the confirmed-fraud state is unreachable from the engine and from any status control. It exists only as a recorded determination attributed to a carrier SIU, the Texas Department of Insurance, NICB, or law enforcement.
Tell us who you are and in what capacity you investigate. HomFax administration verifies the organization, provisions named accounts with the right role, and — for carrier claim systems — issues a scoped integration key. Nothing is created automatically.
Submit the claim, the parcel and the field intake; receive the verdict, the score, the reasons and the evidence-vault status.
The same property record that proves a legitimate claim is the record that exposes a false one.
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