What the policy said on day one, provable on day one thousand.
Policy schedules, endorsements and claim files are sealed at issuance. Wording cannot be quietly rewritten after a loss, and both insurer and insured can prove what the policy said on day one.
What gets sealed
The exact wording and limits in force, sealed at issuance and at every renewal.
Each mid-term change sealed as issued, so the sequence of amendments is beyond argument.
First notices, adjuster reports and settlement offers sealed as the claim progresses.
How it runs day to day
Policy admin systems seal each schedule and endorsement as it is issued.
Digests anchor on RoxChain; documents never leave the insurer.
Policyholders receive the document plus its proof with their papers.
At claim time, either side verifies the wording that was actually in force.
After a major loss, the insured claims an exclusion was added after the fact. The sealed schedule verifies against its issuance-day anchor: the wording in the file is the wording that was bound. Whichever way that cuts, it is settled by mathematics, not by discovery.
Otherwise the dispute turns on whose document management system is more credible, a fight that is expensive to win and corrosive to lose.