Future Proof Property Intelligence PBC

Future Proof Property Intelligence

Future Proof Property Intelligence PBC is an early-stage property-technology company developing products that connect extreme-weather risk information with property inspection, remediation planning, construction, and insurer-facing evidence.

The company is a Delaware public-benefit corporation formed March 11, 2025. It operates from Kailua-Kona, Hawaii and identifies San Francisco and Kailua-Kona on its website.

Its available consumer product is Magic Window, an iPhone and iPad app that presents community and ZIP-level hazard information. The company describes XHome Survey and the Visionary AI Engine as a property-specific layer for smartphone scanning, structural analysis, remediation plans, material quantities, cost information, and before-and-after risk records.

Availability and evidence differ across those products. Magic Window has a live App Store listing. The broader inspection, engineering, contractor, financing, and insurer-integration system remains subject to development, adoption, and validation.

Company at a glance

The legal, leadership, stage, and address facts come from the company's February 2026 offering statement and May 2026 Form C signature filing.

What problem the company is addressing

Most consumer climate-risk tools stop near the beginning of the decision. They describe a hazard or assign a score. A homeowner still has to determine which part of the building is vulnerable, find a qualified professional, understand code, compare scopes, obtain financing, hire a contractor, preserve inspection evidence, and learn whether an insurer will recognize the work.

Future Proof's product thesis is that these steps should form one workflow.

flowchart LR
    A["Community risk"] --> B["Property scan"]
    B --> C["Remediation plan"]
    C --> D["Cost and financing"]
    D --> E["Contractor work"]
    E --> F["Inspection"]
    F --> G["Rescore and insurer review"]

The full chain is the company's stated design. The current maturity of each step differs.

Products and intended roles

Magic Window is the consumer entry point. Future Proof says it provides risk ratings for seven disaster categories at ZIP or community level, historical and projected trends, aerial visualization, and information about insurance discounts, grants, credits, and financing programs.

Future Proof's current Magic Window product page describes the product and offers a live demo. The Apple App Store URL previously reviewed for the product returned 404 on July 28, 2026. Current mobile availability, version, compatibility, seller, and privacy disclosures therefore require a fresh store check before publication.

XHome Survey is described as the guided property-observation experience. Future Proof says a homeowner uses a phone camera to capture the house and site.

The Visionary AI Engine is described as the analysis layer. The current product page says it is intended to identify structural vulnerabilities, create itemized recommendations and material lists, and support a property-rescoring report for underwriters.

The February 2026 filing also described a future financing product called RePay. The filing expected it in 2027 and connected it with a proposed mortgage-backed green-bond fund. That is a forward-looking company plan, not a currently verified financing program.

Origin and relationship with TPHA

Future Proof traces its origins to The Paulele Hale Association, a Hawaii 501(c)(3) that worked on affordable, climate-resilient housing, materials, and education.

The company's history page says TPHA began the housing work, built an experimental home, created an online resource hub, and started developing AI tools. Future Proof was then established as a separate public-benefit company.

The SEC filing provides the legal boundary. It says Future Proof acquired technology assets from TPHA in August 2025. It says the entities were under common control until July 31, 2025, when their boards were restructured. It also discloses related-party debt and transactions.

The organizations remain connected by history, people, and mission, but their finances and legal responsibilities are distinct.

Leadership and control

The February 2026 offering statement identifies Claudia Brennan as chief executive officer, Benjamin Gilliland as chairman and founder, Robert Bajoras as chief technical officer, Jessie Torrisi as chief marketing officer and a director, and Jennifer Price as business manager and controller.

The May 2026 signature filing identifies Brennan as principal executive officer, Price as principal financial and accounting officer, and Brennan, Gilliland, Pualilia Paikuli, and Torrisi as board members.

The February filing says Gilliland controlled 94.5 percent of voting power through ExMachina Financial LLC on the filing's fully diluted basis. It also said the company had 14 employees at that time. Both facts are time-sensitive.

Business model

The issuer describes several possible revenue sources. They include property reports, remediation-planning information, contractor and retail leads, insurer-facing information, enterprise integration, and future financing.

The filing included aggressive revenue and cash-flow projections. This profile does not repeat them as expected results. The same filing says the company was pre-revenue for the reported period, needed additional capital, and had not commenced principal operations.

An offering statement is useful because the company's representations and risks are made in a formal public record. It is not audited market validation, and the SEC does not approve the issuer or the merits of the securities.

Evidence and adoption boundary

Future Proof's full proposition depends on several forms of acceptance.

The property scan must capture accurate information. The recommendation must be appropriate to the peril, structure, and local code. A qualified professional must remain responsible where engineering, architecture, contracting, surveying, or inspection requires it. Contractors must execute the scope. A verifier must establish completion. Insurers must decide whether the result changes an accepted model, underwriting rule, or filed discount.

The offering statement identifies these risks directly. It says the platform depends on third-party data and models, inaccurate AI recommendations could create property and liability consequences, and insurers may require years of actuarial validation or prefer incumbent systems.

Those statements are not merely investor boilerplate. They identify the operating tests that determine whether the product can move from advice to an accepted property record.

Market context

The underlying insurance problem is supported by national evidence. The Treasury Federal Insurance Office's 2025 analysis covered more than 246 million policy observations. The highest-risk fifth of ZIP codes had average premiums 82 percent higher and average nonrenewal rates about 80 percent higher than the lowest-risk fifth during 2018 through 2022.

Hazard-specific mitigation also has evidence. IBHS's FORTIFIED program combines standards and evaluation for severe wind and rain. A University of Alabama Hurricane Sally study summarized by IBHS found lower claim frequency and severity for designated homes.

These sources support the need for credible property mitigation. They do not validate Future Proof's model, forecast, or insurer adoption.

Why Future Proof appears on Venture Step

In E112, Ben Gilliland describes the system from the perspective of a builder and founder. His central argument is that climate-risk information must lead to a construction plan and verifiable result.

The episode package tests that idea against insurance, mortgage, construction, and regulatory sources. It also separates Magic Window's current availability from the broader platform's proposed capabilities.

Read Ben Gilliland and the Attempt to Turn Climate Risk Into a Construction Plan for the founder story. How Address-Level Risk Data Could Change Home Insurance examines what an insurer would need to accept a mitigation signal.

Official routes

Company information begins at FutureProof.org, with current product descriptions on the methodology, Magic Window, and Visionary AI Engine pages. Confirm current mobile-store availability directly before describing the app as downloadable.

The official company record is available through the SEC filing archive. Support and contact routes should be taken from the current company website.

Verification and disclosure

This profile was checked on July 27, 2026. Leadership, ownership, product availability, company stage, finances, partnerships, and insurer adoption require refresh before publication or investment use.

Nothing here is an endorsement, investment recommendation, insurance conclusion, or construction recommendation. AI assisted with research organization and drafting; source boundaries and final editorial decisions remain Dalton Anderson's.

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