Savings
A public adjuster takes a cut. We don't.
Public adjusters typically charge 10 to 20 percent of everything your insurer pays. HomeOwed is one flat price, whether your claim is $8,000 or $800,000.
Savings calculator
$60,000
$5K$50K$500K
Typical public adjuster fee
Fees vary by state, and some states cap them. Illustration only.
Public adjuster fee$9,000
HomeOwed Full Recovery$399
Stays in your pocket
$8,601
Your options, side by side
Keep control. Keep the money.
| Option | HomeOwed | Public adjuster | On your own |
|---|---|---|---|
| Cost on a $60,000 claim | $399 flat | $6,000 to $12,000 | $0 |
| Who runs the claim | You, with expert tools | The adjuster you hire | You, without help |
| Line-by-line estimate review | Yes, unlimited | Yes | No |
| Contents inventory help | Yes, priced for you | Often | No |
| Deadline tracking | Yes, with reminders | Yes | No |
| Negotiates for you | No. You send everything | Yes | No |
| Best fit | Most residential claims | Large or heavily disputed losses | Small claims paid in full |
The guarantee
See pricing
If we don't flag $1,000, you don't pay.
If HomeOwed doesn't identify at least $1,000 in missing or underpriced items on your claim within 60 days of buying Full Recovery, you get every dollar back.