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Timevolt / Storm or flood damage photos
flood damage insurance claim

Have the original damage record ready for your claim.

Flood damage insurance claim — Have the original damage record ready for your claim. Keep the original exterior and interior photos and notes alongside your existing inventory.

Try a file locally

Your photos and files stay on your device, so keep them.

EXAMPLE
Storm or flood damage photos
1 Nov 2026
Authority time: 14:02 UTC · example
Bitcoin block time: 14:10 UTC · example
Last checked: 15:02 UTC · example
✓ Dated◆ Permanent
Now keep it safe: three things
  1. Keep your photos and files unedited. The receipt only matches the originals. Put them in an album such as “My records”.
  2. Save this receipt to your camera roll.

    Keep the receipt file too. The image is a handy copy; checking needs the file.

  3. Email it to yourself.Email it to myself

    Your mail app opens a draft. Attach your receipt image and receipt file. Don’t attach your photos or documents. Timevolt does not send it or know whether it was sent.

Your record, one step at a time.

Your photos and files stay on your device, so keep them.

Local preview: files are fingerprinted here. Notes and progress stay in this browser. Keep downloaded copies; browser storage is not a backup.

0 items
How?

Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.

Add link and screenshots

The link is recorded, not fetched or verified.

    0 items
    How?

    Add the exact original files for this part of the record. Keep them unchanged; a different export or edit has a different fingerprint.

    Add link and screenshots

    The link is recorded, not fetched or verified.

      0 items
      How?

      Write what you remember in your own words. The saved time uses your device’s clock.

      How to keep notes that hold up
      Write it down

      By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.

        By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.

        How to keep notes that hold up

        Write notes as soon as you can. Keep the original account rather than replacing it later; the venue decides what weight it gets.

        1. Write it down straight away, on paper or in the box on a step.
        2. Put the date, time and place at the top, and who you spoke to.
        3. Use their words where you can; separate what you saw from what you were told.
        4. Sign or initial a paper note, photograph it and add the photo.
        5. Never edit an old note. Add a new dated entry when something changes. A device save time is not independent time evidence or proof of event order.
        Storm or flood damage photos
        Storm or flood damage photos

        01 · Keep the exact files

        Keep the original exterior and interior photos and notes alongside your existing inventory.

        Records to keep: Exterior · Interior · Notes

        Storm or flood damage photos

        02 · Date the file’s code

        Your device fingerprints the selected file or manifest. Dated follows an independent timestamp; Permanent follows Bitcoin anchoring.

        An independent time, tied to the exact bytes.

        Storm or flood damage photos

        03 · Keep the evidence

        Retain the insurer’s own report, claim acknowledgment and supporting originals.

        Keep the originals too. A changed or compressed copy has a different fingerprint.

        Try a file. It stays here.

        Make a test receipt on this device.

        By making a receipt you agree to the Terms and Privacy Policy. The Bitcoin record is permanent.

        or drop a file here

        Scope of the cited rule.

        The NFIP Standard Flood Insurance Policy generally requires a signed, sworn proof of loss within 60 days after loss, subject to FEMA waivers or extensions. Check your actual policy and the applicable disaster notices; this is not a rule for every flood policy.

        As of October 30, 2026.

        Read the primary source

        Real cases: why the original photos matter.

        Real cases where dated records mattered. We don’t claim a time receipt would have changed the result.

        US federal, Fifth Circuit · 2016

        Send the signed loss form with photos

        A homeowner used photos, lists and witness accounts to claim flood loss to home contents. The required signed and sworn loss form for those contents was missing. The appeal court set aside the award.

        Summarized on Oct 29, 2026

        Read the decision ›

        Related cases

        US federal, E.D. New York · 2014

        Keep the first damage report

        Related: withheld storm damage report

        A flood insurer did not share an expert's first report, which linked the damage to a storm. The court kept limits on the insurer's evidence and ordered the lawyers to pay costs. It did not decide the final flood claim.

        This decision concerns withheld evidence and sanctions, not the final flood-coverage outcome.

        Summarized on Oct 29, 2026

        Read the decision ›

        What courts, schemes and regulators say.

        Positions below refer to the cited rule or record type, not endorsement of Timevolt. This service is not represented as an eIDAS qualified timestamp provider. A non-qualified timestamp does not receive the qualified timestamp presumption.

        Silent · US federal (NFIP flood policy)

        Standard Flood Insurance Policy, 44 CFR Part 61 Appendix A(1), as quoted in a Fifth Circuit opinion

        Within 60 days after the loss, send a signed and sworn proof of loss with the date and time of loss, how it happened, repair estimates, and an inventory of damaged personal property. You may not sue unless you complied with all policy requirements.

        The policy asks for a sworn statement and an inventory. It says nothing about timestamps or digital file integrity. A dated record supports the statement but does not replace it.

        Source summary as of 2026-10-28. Check the current source and applicable local rules.

        Read the source

        Related workflows.

        Home contents inventoryValuables recordCondition before a policy startsTravel insurance claim evidenceQuarterly user access review: the reviewer list, decisions and removals frozen as submittedAccess or license request, manager approval and grant

        Proves / Doesn’t prove

        Proves

        A completed time receipt shows that the exact selected file existed by the independently witnessed time. You can check whether a later copy has the same bytes. It does not establish creation time, authorship, identity, event order, location or the truth of the contents.

        Doesn’t prove

        It does not show who took the photos, where or when the damage happened, that the storm caused it, or that an insurer will pay.

        This cannot establish the cause, event time, location, coverage or a claim outcome.

        These are the bounds of a completed proof. The local tester does not establish any time. The chosen court, scheme or regulator decides what to accept.

        Questions, answered plainly.

        Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking. Privacy Policy.

        Does a time receipt replace the proof of loss form?

        The NFIP Standard Flood Insurance Policy generally requires a signed, sworn proof of loss within 60 days after loss, subject to FEMA waivers or extensions. Check your actual policy and the applicable disaster notices; this is not a rule for every flood policy.

        Source summary as of October 30, 2026. Check the current source and its scope.

        Context for this answer
        Are my photos uploaded?

        Your file stays on your device. During normal receipt creation, your device sends a randomized code made from its fingerprint, plus encrypted recovery data. It doesn't send the plain fingerprint or the random value that opens the code. Keep the original file and the complete receipt for checking.

        Will my insurer accept it?

        Unknown for any given insurer. Adjusters and courts decide what evidence they accept. The receipt is one more dated record, not a guarantee.

        Does it prove the storm caused the damage?

        No. It shows only that these exact files existed by the receipt time. Cause is for the adjuster, engineer or court. One reported dispute turned on whether damage came from a hurricane or from old wear.

        Source summary as of October 30, 2026. Check the current source and its scope.

        Context for this answer
        What if I edit or crop a photo later?

        An edited file has a different fingerprint and will not match the receipt. Keep the originals untouched and receipt those.

        Can I get a receipt for photos I took last week?

        Yes, but the receipt dates when you submit them, not when they were taken. Receipt photos as soon as you can after the storm.

        What should I photograph first?

        Wide shots of each room and the outside, then close-ups of each damaged item, before cleanup or repairs. Also keep receipts for emergency repairs. This is general guidance; check your policy and insurer for specifics.

        How much does it cost?

        See the Pricing page for current US-dollar plans and allowances. Fast is paused. Purchases open when receipts open.

        Source summary as of October 30, 2026. Check the current source and its scope.

        Context for this answer

        The file tester runs on your device. It does not issue a timestamp or take a payment.

        Keep the records you already have.

        Keep your original files and any existing official records while the receipt service is being prepared.