Imagine This: Your Home Is Damaged—Now What?
It’s 3 AM. A fire breaks out in your kitchen. Within minutes, your living room, appliances, electronics, and heirloom jewelry are destroyed. You’re safe—but what about your property?
Your first instinct is to file an insurance claim. But here’s where most homeowners hit a wall.
“Can you provide proof of ownership?”
“Do you have receipts for your appliances?”
“Are your valuables itemized and documented?”
The truth? Most homeowners can’t answer these questions quickly—or at all.
That’s why professionals in the insurance and property risk field recommend a proactive step: listing and verifying all major home equipment, appliances, and personal valuable assets with Homifax.
What Is Homifax?
Homifax is the industry standard in Verified Property Reports—a trusted third-party platform used by insurers, property managers, and real estate professionals to document and validate physical assets in and around the home.
Unlike a handwritten inventory or scattered photo album, Homifax provides a centralized, timestamped, and verified record of your property’s contents—accessible 24/7.
The Real Value of Verification: Insurance Claims
1. Maximized Insurance Settlement
After a property or casualty loss, insurance adjusters are trained to minimize liability. Without verified documentation, you may only receive partial compensation or replacement at depreciated value.
But if you’ve verified your items with Homifax, you don’t just tell the insurer what was lost—you show them:
- Brand, model, and serial numbers
- Proof of ownership
- Verified market value at time of listing
- Visual documentation
- Condition at the time of record
This can dramatically increase your claim settlement, covering replacement cost value (RCV) rather than actual cash value (ACV), which includes depreciation.
2. Faster Claim Processing
When chaos hits, time is of the essence. Homifax gives you a ready-to-download report you can send directly to your adjuster. No guesswork. No digging through receipts. No back-and-forth disputes.
Insurance companies often treat Homifax Verified Reports as supporting documentation, speeding up the review and avoiding underpayment delays.
3. Proof Against Fraud or Denial
In high-loss events like fire, flood, or burglary, missing or misrepresented assets can trigger red flags. Without a vetted record, insurers may suspect fraud or inflated claims.
Homifax’s third-party validation acts as a shield of credibility, proving you did your due diligence before disaster struck.
What Should You List?
Think beyond just “big-ticket” items. Include anything that holds either financial or sentimental value:
- Home appliances: washer/dryer, fridge, HVAC, water heater
- Electronics: laptops, TVs, speakers, smart home devices
- Furniture: sofas, beds, tables, dining sets
- Jewelry, watches, collectibles
- Power tools, gym equipment, musical instruments
- Artworks and designer items
- Sports gear and hobby equipment
- Home improvements and custom installations
Each verified asset contributes to accurate property valuation and insurance claim leverage.
Homifax in Action: Real Case, Real Savings
In 2024, a Homifax client suffered storm damage that wiped out thousands in property. Thanks to a pre-existing Verified Report, they avoided insurance disputes and received a payout 42% higher than the average settlement for similar claims.
The Homifax record not only included their appliances and electronics—but also the newly installed solar battery system, which wasn’t documented in their insurer’s file. The difference? Over $38,000 in additional compensation.
Peace of Mind Is Priceless
We insure our homes, but we rarely take the steps necessary to ensure the payout we deserve. The cost of losing documentation is far greater than the time it takes to create it.
With Homifax, homeowners can take control of their risk profile and create an insurance safety net that works.
Final Thought: Plan Ahead, Don’t Regret Later
Disaster doesn’t warn you. But Homifax helps you be ready.
Start by listing and verifying your property assets today. In the event of loss, your future self—and your bank account—will thank you.
