Restoration Promise

It's Still My Home's own promise, paid from our own funds. It isn't an insurance policy, no insurance company backs it, and no state guaranty fund would pay if we couldn't. If a forged or fake document is recorded against your home, we work your case and pay the restoration costs. In New York and Iowa it's different; see below. It doesn't replace title insurance. If you have an owner's title insurance policy, it's separate, and we'll help you use it.

Money taken from you, loans or liens in your name (we get fake ones cancelled instead), your home's value, rent, living costs and lost wages.

It's the most we'll spend on restoration costs for one home, in total. It doesn't reset each year, or if your membership lapses and you join again; a new limit starts only when a new owner buys, is given or inherits the home and joins. It's a limit, not an amount you receive: we pay the lawyers and fees your case actually needs (your own lawyer up to $350 an hour). It isn't insurance, and it's not offered under the New York or Iowa rules (see below). If a failure of our own service (section 9 of the terms) caused the problem, those costs are paid from a separate limit, in every state, and don't use up this one.

On the day the county records our notice on your home. We send it to the county within 5 business days after you finish setup: we accept your confirmation of who owns the home, you pass the identity check, and you authorize the notice. If we're late, your protection starts on the last day we had to send it. Paying alone doesn't start it.

State rules there are different for promises like this one. In Iowa, we still work the case with you, but you pay the lawyer and court fees. In New York, our team doesn't run the case and we don't pay restoration costs; instead, whenever you ask, we give you our records and a list of lawyers. In both, you still get identity checks, the recorded notice, alerts, our promise for our own mistakes and the fee refund (in New York, for our own mistakes). The price is the same. Read section 15 of the terms

Tell us as soon as you can, ideally within 90 days after you find out. A late request is still accepted; we only reduce what we pay by what we can show the delay added to the cost. One exception: if your membership has ended, you must ask within 12 months after it ended.

It's included if it's reported to the police and you don't knowingly give investigators false information. You don't have to ask for charges or for anyone to be prosecuted, and you don't have to testify against them in a criminal case. To clear your home's record, you may still need to sign statements and go to court in the case your lawyer brings, and that case may name your family member (sections 8.2(a) and 12 of the terms).

Write down when and where you tried, then file a report at IdentityTheft.gov, with your district attorney or state attorney general, or at ic3.gov. That counts, except for a threat of physical harm, which needs a police report or a request to a court for a protective order. We'll help, except under the New York rules, where we give you our records and a list of lawyers instead.

That isn't included, because the signature is real. The same goes for a real signature by an owner who wasn't well enough to understand what they signed, for example because of memory loss. We'll still tell you what we found, give you copies of our records, and point you to the police, legal aid, your state attorney general and your title insurer; under the New York rules, we give you our records and a list of lawyers. We don't give legal advice. It is included if you signed only because of a threat of physical harm that was reported to the police or a court, or while a court-appointed guardian or conservator was in charge of your property without their approval (section 2.6 of the terms). It is also included if our own staff, contractors or messages tricked or pressured you (section 9.5(d)).

We have to show you why, and you can ask for an independent document examiner, at our cost. Unless the examiner concludes the signature is probably real, we don't treat it as real.