Compliance & Liability Guardrails

The platform organizes evidence, status, and workflow locks, while human stakeholders retain the financial keys.

1. 50-State Compliance Library

Escrow & Money Services Alignment: ClaimSafe workflow aligns to UMSA-style controls and relies on third-party payment processors. ClaimSafe does not hold project funds directly.
Texas-Specific Contractor & Claim Rules: Texas Property Code Chapter 53 (lien/retainage), Texas Property Code Chapter 27 (RCLA), and Texas Insurance Code Chapter 4102 (public adjusters) are included in the state controls library.
Florida-Specific Contractor & Claim Rules: Florida Statutes Chapter 489, Part I (contractor licensing/discipline), Florida Statute §489.147 (prohibited property-insurance contractor practices), and Florida Statute §501.025 (home solicitation cancellation) are included in state controls.
Insurance Fraud Statutes: Forensic records support anti-fraud enforcement pathways under statutes such as Texas Penal Code §35.02 and Florida Statute §817.234.

2. Portal & Logic: The Full Loop

Sequential Lock: Homeowner Handshake → Adjuster Authorization. Funds are not marked ready unless both human keys are present.

AI Guardrails: AI is forbidden from releasing funds or banning users. AI only organizes evidence, flags risk, and sends items for admin/human review.

Digital Signatures & Records: Electronic records are maintained in alignment with the federal E-SIGN Act (15 U.S.C. §7001 et seq.) and UETA state implementations including Texas Business & Commerce Code Chapter 322 and Florida Statute §668.50.

3. Liability & Operational Protections

Emergency CAT Mode: 144-hour disaster relief stability window.
Admin Alarm: 72-hour fail-safe for human bottlenecks.
Human-In-The-Loop: Only humans - the Adjuster and Homeowner - can turn the financial keys. ClaimSafe admin remains read-only for payments.
Jurisdiction Baseline: ClaimSafe default venue remains Ottawa County, Michigan, except where mandatory state consumer/insurance statutes control specific claim events.