An adjuster walks into a commercial property loss. The roof leaked for months before the tenant reported it. The property manager has photos showing "initial damage" but the timestamps read three days after the first notice of loss. The metadata shows the files were created last week.
Evidence timing becomes everything when coverage depends on when damage actually began. File metadata can be altered. Timestamps can be backdated. A photo that looks like it documents pre-loss conditions might have been taken after the claim was filed.
ProofLedger solves this by anchoring evidence to blockchain networks before any dispute arises. The process creates an immutable record that files existed at a specific point in time. No one can backdate a blockchain entry. No software can alter a cryptographic hash once it's anchored.
The workflow is straightforward. A property manager photographs roof conditions during routine inspections. Each image generates a SHA-256 hash. ProofLedger anchors those hashes to both Polygon and Bitcoin blockchains. Polygon provides instant confirmation. Bitcoin delivers proof-of-work immutability. The original files never leave the device. Only the mathematical fingerprints get timestamped.
When a claim develops months later, the blockchain anchors prove exactly when the documentation existed. Courts can authenticate these records under FRE 901(b)(9), which allows evidence produced by a process that generates an accurate result. The adjuster can verify that photos were taken during the March inspection, not after the May loss.
This addresses a fundamental weakness in digital evidence chains. Traditional timestamping relies on the system clock where the file was created. That clock can be wrong, manipulated, or reset. Blockchain networks maintain their own temporal consensus across thousands of nodes. They can't be influenced by any single party.
The evidence value compounds over time. A construction defect claim filed three years after completion needs documentation from the original build phase. Property condition assessments taken during lease transitions become crucial when tenant improvements are disputed. Environmental monitoring photos from before contamination was discovered can determine liability boundaries.
Claims departments are starting to require blockchain anchors for high-value property documentation. The cost is minimal compared to the dispute resolution value. A $50,000 roof replacement claim can turn into a $500,000 litigation if coverage timing gets contested. Having unalterable proof of when evidence existed eliminates that uncertainty.
The technology leverages the same cryptographic principles that secure financial transactions. Bitcoin's proof-of-work consensus has operated continuously since 2009 without successful manipulation. Polygon provides layer-2 scaling while maintaining the security guarantees of Ethereum's validation network.
Risk managers understand this value proposition immediately. They document property conditions not just for current claims, but for potential disputes years in the future. Blockchain anchoring turns routine documentation into legally defensible evidence with a clear temporal foundation.
Anchor before the loss, not after. Risk documentation, not claim documentation.
