Get every dollaryour home is owed.
HomeOwed reads your adjuster's estimate, finds what they left out, and gives you everything you need to claim it. One flat price. Never a cut of your settlement.
Pick where you are with your claim.
Scan it free and see what's missing.
Upload the adjuster's estimate or letter. Red flags, likely gaps, and your deadlines in minutes.
See what a 10–20% cut really costs you.
Slide in your claim amount and compare it with one flat HomeOwed price.
Rebuild your contents list and living costs.
Photos and order history become a priced inventory. Hotel nights and meals get logged.
Claims are bigger than ever. So are the gaps.
homeowners insurance claims filed in the U.S. in 2025.
Verisk ClaimSearch, 2025jump in average claim size, the highest on record.
LexisNexis Home Trends Report, 2026of LA wildfire survey respondents said the insurer's rebuild estimate was too low.
United Policyholders, one-year surveyIf we don't flag $1,000, you don't pay.
Full Recovery comes with a simple promise: if HomeOwed doesn't identify at least $1,000 in missing or underpriced items within 60 days, you get every dollar back.
Based on what HomeOwed identifies, not what your insurer decides to pay. Terms