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Terms of Service

Draft for review by counsel before launch. Effective date: [DATE]. Replace bracketed items with your company's details.

1. What HomeOwed is, and what it isn't

HomeOwed ("we") provides self-help software and educational content that helps you organize, document, review, and track your own property insurance claim. HomeOwed is not a public adjuster, insurance company, insurance agent, or law firm. We do not represent you, act on your behalf, communicate or negotiate with your insurer, interpret your policy for you as a professional, or give legal advice. HomeOwed is not a substitute for the advice of a licensed public adjuster or attorney. Any letter or document you create with HomeOwed is sent by you, under your name, if you choose to send it.

Our fees are flat and never depend on the amount of any claim payment.

2. Your account and your information

You must be 18 or older and the policyholder, a named insured, or a person authorized by them. You're responsible for the accuracy of the information you provide and for reviewing everything HomeOwed produces before you rely on it or send it. Do not upload information about other people without their permission.

3. Software output

HomeOwed uses automated systems, including artificial intelligence, to read documents and generate analyses, estimates, prices, deadlines, and draft letters. Output can be incomplete or wrong. Dollar ranges are estimates for your review, not appraisals. Deadlines are shown for convenience; the deadlines that bind you are in your policy and applicable law. Always confirm dates against your policy.

4. Plans, payment, and refunds

• Claim plans (Essentials, Full Recovery, Concierge) are one-time purchases for one claim, with the access period shown at purchase.
• HomeOwed Ready is an annual subscription that renews automatically until cancelled. Cancel at any time in your account; access continues through the paid period.
• Essentials may be refunded within 14 days of purchase if you have not generated a letter or completed an Estimate Check.
• Discount codes can't be combined unless stated, have no cash value, and may expire.

5. The $1,000 found-or-free guarantee

If you buy Full Recovery or Concierge and, within 60 days of purchase, HomeOwed has not identified at least $1,000 in total across (a) items flagged as missing or underpriced in Estimate Check and (b) replacement-cost value added in Contents Builder beyond what your insurer's documents already list, you may request a full refund by emailing [support email] within 75 days of purchase. The guarantee measures what HomeOwed identifies, not what your insurer pays. To qualify you must have uploaded your insurer's estimate or settlement documents. One guarantee refund per claim.

6. Acceptable use

Don't use HomeOwed to submit false or inflated information to an insurer, to commit insurance fraud, or to provide claim services to others for a fee. Contractors and other businesses may not use HomeOwed to negotiate claims for homeowners. We may suspend accounts that misuse the service.

7. Pro Match

If you ask, we may share contact information for licensed public adjusters or attorneys. They are independent. We don't control their work, and any arrangement is between you and them. Referral arrangements comply with applicable state law.

8. Limitation of liability

To the extent the law allows, HomeOwed is provided "as is," and our total liability for any claim relating to the service is limited to the amount you paid us in the 12 months before the claim. We're not liable for the outcome of your insurance claim or for decisions made by your insurer.

9. Disputes

[Governing law, venue, and any arbitration clause to be chosen with counsel.]

10. Contact

[Company legal name], [address]. Email: [support email].