Four steps. You stay in charge of your claim the whole way, and every letter goes out under your name. HomeOwed gives you the tools the adjuster already has.
Upload the adjuster's estimate, a denial, or a settlement letter, as a PDF or phone photos. HomeOwed reads every line and tells you what it pays, what's held back, and what looks missing.
Contents Builder turns old photos, video stills, and order history into a room-by-room list priced at replacement cost. The ALE Tracker logs every hotel night, meal, and mile you're owed.
Add your contractor's bid. Estimate Check matches it to the adjuster's estimate, even when items are named differently, and lists every gap in dollars.
Letter Studio drafts clear, firm letters you send yourself. Deadline Guard tracks proof of loss, appraisal, and filing dates for your state, with reminders by email and text.
What the document pays, what's held back, which items to question, and which deadlines are already running.
HomeOwed is the right tool for most residential claims. When it isn't, we'll tell you, and Pro Match can connect you with licensed help in your state.
No. HomeOwed is claim software and education. We don't represent you, negotiate with your insurer, or give legal advice. You stay in charge and send everything yourself.
Only if you tell them. Letters go out under your name. HomeOwed never contacts your insurer.
Homeowners, condo, and renters policies: water, fire and smoke, wind, hail, storm, theft, and vandalism.
Often not. Many policies let you reopen a claim for supplements or recover held-back depreciation after repairs. The Claim Scan checks your deadlines first.
Encrypted in transit and at rest, used only to run your claim desk, never sold. Delete everything at any time. Read the privacy policy.