Build value before you need it. Protect equity before it’s at risk.
Your Membership Ledger grows with every contribution — turning today’s payments into tomorrow’s protection fund.
Protect Your Investment Today: No More Insurance Denials
We believe your home’s value depends on planning, not luck. The Membership Ledger locks in tomorrow’s repair funds at today’s rates, ensuring your roof and exterior are always funded and protected when you need them most.
Establish & Secure
- Enroll in your Membership Ledger and select any combination exterior components (roof, siding, gutters, etc.).
- Each contribution funds your prepaid repair account compounding at a guaranteed crediting rate.
- Your membership automatically unlocks inspections, priority access, and structural reporting to track value growth.
Grow & Offset
- Contributions continue at your chosen frequency (monthly or annual).
- Ledger growth offsets inflation and rising material costs by compounding at 3% annually.
- Members receive credit multipliers tied to performance and participation (inspections, renewals, or referrals).
Redeem & Renew
- When your structure reaches its renewal point (10–15 years typical), your ledger covers up to the full member cost of replacement.
- Any unused balance carries forward, compounding into your next protection cycle.
- You can choose to transfer your membership to a new property or leave the value behind to increase resale appeal.
"Insurance isn't a plan it's a failsafe. We are providing actual planning, which is going change everything."
Insurance only pays for “sudden” damage. Gradual wear, failed shingles, and age-related deterioration are almost always excluded, leaving owners with surprise expenses.
Check Out This Ledger Example below.
Your Membership Ledger is built to keep your roof on schedule, not on borrowed time.
Contributions can be made monthly or annually and are credited toward your long-term maintenance plan.
KEEP IN MIND:
If, during an inspection, more than 15% of your roof requires replacement for any reason, we’ll recommend a full reroof to preserve system integrity.
Otherwise, we perform repairs at cost, ensuring your system continues to perform efficiently while your term agreement matures.
This keeps your home protected, your costs predictable, and your equity intact.
The Difference is Powerful and Significant
Hamilton Mutual Assurance Corporation combines proven financial frameworks with modern innovation to redefine how homeowners plan for maintenance and protection. We use time-tested systems for risk management and scalability—applied to a future that doesn’t rely on government programs or volatile market cycles.
Our approach turns maintenance into long-term stability, giving homeowners control over their property’s future. We believe in open markets, but not dependence on them. Our mission is to create sustainable, self-reliant solutions for the essentials every homeowner deserves—safety, predictability, and peace of mind.