Home damage, start to settlement

Photograph the damage. We handle repairs, cost estimates and insurance claims.

Upload photos or a video of the damage. HouseholdSaver reads it, prices the repair at local rates, collects bids from top-rated licensed contractors, and has a licensed adjuster prepare your claim before your insurer is contacted. From the first photo to the final repair, we manage the work and the paperwork, and you always know the next step.

Start a damage scan Ask about one photo

Works for you, not the insurerEstimate in minutes10+ licensed contractor bidsLicensed adjuster on your sideXactimate-ready claim file

Your independent second opinion

Your insurer has software on its side. Now you do too.

Insurers increasingly price claims with their own estimating software and AI, often before anyone visits your home. That first number is written for the insurer. HouseholdSaver gives you an independent estimate in minutes, real bids from licensed contractors, and a licensed public adjuster who answers to you, so every line of the insurer's offer is checked in the same Xactimate format the insurer uses.

Before you fileKnow what the repair really costs and whether a claim is worth it.

When the offer arrivesCompare it line by line and see exactly what is missing or underpriced.

Until the work is doneLetters, deadlines and a licensed adjuster who negotiates for you.

Check my insurer's offer

How a claim moves through HouseholdSaver

1 · ScanPhotos and video inAI reads each image for damage, cause and urgency. 2 · EstimateLine-item repair costLow, likely and high ranges, checked against your deductible. 3 · Bids10+ rated contractorsLicensed, insured, 4.6 stars and up. Compare side by side. 4 · AdjusterPaperwork done rightA licensed adjuster reviews the file before the insurer sees it. Insurer's offerCheck it line by lineUpload the insurer's estimate; we flag what is missing or underpriced. 5 · Follow-throughEvery step to payoutDeadlines, documents and what to say, until the repair is done.

Be ready before anything happens

Policy checkFind coverage gapsPhotograph your declarations page; we flag what is missing. Home vaultInventory and recordsRoom-by-room list of what you own and the papers that prove it. Claim diaryCalls and expensesLog every call and track hotel and meal costs if you're displaced. LettersReady to sendClaim notice, estimate dispute, depreciation release and more. EmergencyMedical card and kitBlood types, allergies, emergency contacts and a medical emergency kit checklist. Fraud shieldHire safelyContractor licence checks, local rules and storm-chaser red flags. Buying a homeCheck a house before your offerWalk-through checklist, repair costs, offer notes and a licensed inspection. Selling a homeGet ready to listPre-listing walkthrough, fix-credit-or-disclose plan, disclosures, documents and a pre-listing inspection. RentingProtect the depositMove-in and move-out walkthroughs with dated photos, repair requests and renters insurance. Short-term rentalsAirbnb and vacation rentalsCheck-in and check-out records, turnover and safety checklist, and guest damage evidence. Free programsSee what you qualify forState, utility and city programs that pay for repairs, upgrades and bills. Home carePrevent damageMaintenance checklist with email reminders.

Why homeowners choose HouseholdSaver

Other tools cover one piece of the job. HouseholdSaver carries the whole claim.

What you need	Insurer photo apps	Contractor marketplaces	HouseholdSaver
Damage read from your own photos and video	Inside the insurer's claim only	No	Yes, before any claim is filed
Repair estimate with line items	Insurer's number	Each contractor's own quote	Your own estimate, 10+ bids, and an Xactimate estimate from your adjuster
10+ competing bids at once	No	3 to 5 leads, often shared	10 or more, ranked and comparable
Licensed adjuster prepares the file	Works for the insurer	No	Works for you
Is it worth filing? (deductible check)	No	No	Yes
Step-by-step guide to settlement	Status only	No	Every step, with your state or province's deadlines
Ask about any photo (mold, cracks, stains)	No	No	Yes, with origin and who can confirm
Maintenance checklist and reminders to prevent damage	No	No	Yes, with best practices for your state or province
Free government and utility programs matched to your address	No	No	Yes, with appointment and home-audit guides
Check the insurer's estimate line by line	No	No	Yes: missing items, low prices and depreciation flagged
Policy check: gaps found before a loss	No	No	Yes, read from your declarations page
Home inventory and document vault	No	No	Yes, room by room
Claim diary, displacement expenses and ready-made letters	No	No	Yes
Protection from contractor and storm-chaser fraud	No	Reviews only	Licence checks, local rules and red flags

Step 1 · Damage scan

Show us the damage

Add clear photos from a few angles, plus a wide shot of the room or roof. Videos work too; HouseholdSaver reads frames from each clip.

What happened? (best guess is fine)

Where in the home ZIP or postal code Country State or province When it happened Policy deductible ($)

Anything else we should know

Ask a photo

What is this, and where did it come from?

Photograph anything that worries you: a dark patch you think is mold, a crack in a wall, a stain on the ceiling, a sagging floor. HouseholdSaver tells you what it most likely is, what probably caused it, how urgent it is, whether you can safely fix it yourself (with a step-by-step guide, tools and parts), what a pro would charge, and which specialist and adjuster can confirm it.

Add photos or a short videoOne close-up and one wider shot work best; a 10-second video works too

Your question

Where is it