Welcome to HankIQ
We Built HankIQ for
One Purpose
From a deep rooted understanding of the insurance and legal markets, we created this app with a specific focus: to address the data and information imbalance that makes the insurance claims landscape so frustrating.
We are not a generic home inventory app, our platform drives the building of a comprehensive evidence pack for when you need it most. Leveraging our AI technology this is tailor made to give you the best chance of avoiding an expensive valuation dispute. One hub. Every service provider. Your data - not theirs.
Proper Documentation
Matters
Lack of proper documentation is aross the world the leading reason for insurance claim delays, disputes and denials. In US unsatisfactory settlement offers are the 2nd most complained about (12%) only behind claim delays (23%). But, when policyholders fight back with evidence, things change.
Denial Rates Rising
Almost half of all claims are denied. Up from 25% in the past 2 decades.
Maintenance Denials
Almost half overturned on appeal with supporting evidence
On Appraisal
Awards exceeded Insurer's initial offer
Home Owner's
Average excess of Insurer's initial offer
Auto Total Loss
Average excess of Insurer's initial offer
Auto Repair
Average excess of Insurer's initial offer
Denial Rates Rising
In US almost half of all claims are denied (with no payment). Up from 25% in the past 2 decades.
Maintenance Denials
In Aus, almost half are overturned on appeal with supporting evidence*
On Appraisal
In Texas, awards exceeded Insurer's initial offer
Home Owner's
Average excess of Insurer's initial offer in Texas
Auto Total Loss
Average excess of Insurer's initial offer in Texas
Auto Repair
Average excess of Insurer's initial offer in Texas
Source: NAIC 2026, Weiss Survey, Texas Department of Insurance, Appraisal Experience Data Call Report, December 2024/ *Australia CGC Thematic Inquiry 2023 / TexasWatch.
Disclaimer: Data reflects broader international industry trends for claim processing, delays and denials. Results may vary based on jurisdiction and individual carrier policies.
Rising Premiums
Declining Insurability
Rising Claim Denials
Historically, insurers relied more on postcode-based pricing and broad assumptions about the properties they insured. Increasingly, however, underwriting is becoming more individualised. This is contributing to rising premiums, a decline in insurability and on top of that an increase in claim denials.
As a result, insurance is becoming more prevention-focused. The condition of your home, the maintenance you perform, and the steps you take to reduce risk increasingly influence renewals and premium discounts.
More insurers are offering premium discounts for smart detection and preventive tech, home inspections and preventative maintenance. Others encourage the use of their telematics and monitoring apps, requiring policyholders to share increasing amounts of personal data with real privacy concerns.
Build Evidence
Increase Insurability
Reduce Premiums
Designed to take less than 5 minutes per month, HankIQ helps you systematically build a defensible valuation and maintenance file to help safeguard against claim delays, disputes, and denials, while supporting your insurability profile and helping to position you for premium reductions at renewal
Your Maintenance Schedule
- Use our pre-populated task lists to quickly develop your personalized schedule
- Run your plan via our dedicated AI and incorporate any suggestions
- Save your revised schedule and begin logging tasks and creating reports (house hardening).
- Documented maintenance, inventory, and hardening reports can improve insurability and contribute to lower home insurance premiums at renewal.
Inventory & Condition File
- Upload images, batch or single, of items (per item or by room) or purchase receipts via our dedicated AI
- Capture data on some of the most valuable items, save the rest for later
- Add important documents (Policies, Warranties, Valuations)
- Set your per category and per item limits
Register For Our Loyalty Program
Active users who achieve and maintain "Certified Log" status (takes under 5 minutes a month) unlock our HankIQ Loyalty Program. Available in each of our regions*, members can unlock:
- A comprehensive vehicle history report and market analysis OR a Home Roof / Gutter aerial report
- Monthly subscribers: Certification Credits — $10 per certified month, up to $60 — toward a panel estimator's fee if you dispute your carrier's offer
- Annual subscribers: Supplemental Estimation Support (up to $250 toward your panel estimator's fee), eligibility to apply for our zero-fee Appraisal Advance**, and in certain areas* discounts and referral credits from participating providers
* Loyalty Program benefits vary by area and region and are subject to change. Each of our regions currently offers a loyalty program with differing benefits.
**Discretionary — no obligation to purchase; eligibility to apply is the benefit. Caps and T&Cs apply.
Centralise your Data
For all Suppliers
Consolidate your records across all your service providers. Keep your plumbing, HVAC, and auto service data organized, exportable, and ready to include in your reports. Click any node to explore. Click the background to reset.
Your house quietly bills you every year.
A common rule of thumb: budget 1% to 4% of your home's value each year for upkeep. On a $400,000 home, that's roughly $4,000-$16,000 annually - the buffer that keeps a dead water heater or aging roof from becoming a financial crisis.
Newer home
1%
of home value / year
Home 15-20 yrs old
3-4%
of home value / year
Water heater swap
$1-3k
one-off replacement
Roof replacement
$8-15k
depending on size
All maintenance percentages and replacement costs are illustrative national averages provided for conceptual budgeting purposes only.
Save on home and vehicle.
Refer friends. Pay less.
Annual Loyalty Reward members* average 10% off maintenance at participating providers (home and vehicle). And if they join via a participating provider, they can earn $15 per referral credit that chips away at a full renewal subscription of up to $120.
Net annual benefit
combined saving minus net subscription
Refer 5 more friends to make your renewal subscription free - net benefit rises to $400.
Available ONLY in US and in limited areas (counties) through participating providers. Savings shown at an average 10% member discount; actual discounts vary by provider and service, up to 15% or such max amount set by provider. Net annual benefit equals combined maintenance savings minus your subscription after referral credit. Referral credit applies to your next annual renewal only; capped at 8 referrals. Participating jurisdictions only and T&C's apply.
Built for the Moment That Matters
It is not all about claim disputes and denials though. Recording your efforts could increase your insurability and help drive premium discounts. Our differentiating features:
Time stamped Evidence
Every capture is timestamped so your records show a clear, defensible and verifiable timeline.
Chain of Proof
Embedded metadata and organized export ready reports.
Cloud Backed up Evidence
Utilize your own cloud storage for backups to protect against data loss and maintain full control.
House Hardening
Generate your house hardening evidence report in support of any fire-risk premium discount applications.
AI Supported Maintenance Task Tracking
Choose from our pre-built suite of tasks for your home and vehicles enhanced by our AI analysis. Create custom tasks and reminders so nothing slips through.
Condition Baseline & Updates
Establish initial condition when you add an asset. Update regularly to show ongoing care.
Policy Limit Alerts
Set your per category and per item limits and be notified when an item valuation exceeds the limit.
Rapid Onboarding
Utilize our streamlined AI-powered set up process to get up and running in a matter of minutes, not hours.
Export-Ready Reports
Generate reports from all your data. Ready to export. Fire Mitigation, Inventory, Maintenance or Vehicle Condition reports.
Privacy by Design
Your inventory, records, photos, and documents are processed locally on your device. HankIQ utilizes zero-knowledge architecture, meaning your private files remain under your control and are not accessible by us during standard operations.
Loyalty Program
Unlock complimentary access to standard industry valuation insights and discount opportunities. Active annual members can qualify to apply for estimation and appraisal support assistance. Subject to program terms, eligibility verification, and discretionary approval. T&C's apply.
One Price. Complete Documentation.
Car/House/Stuff
What's Included
- - Industry leading Vehicle History, Spec
- - OR Home Roof / Gutter Aerial Report
- - Referral Credits (up to $120)
- - NSP Discounts (area dependant)
- Annual Subscribers Only
- - Discounts & Referal Credit eligibility (via participating Service Providers)
- - Supplemental Estimation (Xactimate) (up to $250)
- - Valuation Appraisal Support
Cancel anytime. Your data remains exportable for 30 days after cancellation. *T&C's apply.
If HankIQ prevents even one appraisal in your lifetime, it pays for itself many times over. Average home appraisal costs: $2,000-$4,000. Average auto appraisal costs: $500-$800. 10 years of HankIQ: $1,200. AND if you avoid one low-ball offer it could be worth 20 years of HankIQ.
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We Stand BehindOur Software
Our goal is to avoid costly valuation disputes. To that end we provide loyal users with our Supplemental Estimation support (a panel estimator helping in Xactimate). If all fails, our discretionary Appraisal Advance* allows us to put our money behind our platform.
Disclaimer— *Zero-fee, non-recourse asset purchase. We receive solely from the excess you actually recover above your insurer's last written offer, capped at what we advanced. Discretionary — no obligation to purchase; eligibility to apply is the benefit. Eligible Annual Subscribers only. US only; not available in all states. Caps and T&Cs apply.
14-Day Free Trial
No credit card required.
Cancel Anytime
Just one click
Loyalty Program
Usage unlocks real value member benefits
Frequently Asked Questions
Instantly use your HankIQ App
Just add to your device Homescreen and take your property protection on the go. Our Progressive Web App delivers a native-like experience right from your browser.
- No Download required - access your maintenance records anywhere
- Instant photo capture - document maintenance in real-time
- Push notifications - never miss a scheduled task
- Lightweight and fast - minimal storage footprint
Available for Windows, Mac, iOS and Android devices
Have Questions? Let's Talk
Our team is here to help you protect your assets. Fill out the form and we'll get back to you within 24 hours. Whether you're curious about features, pricing, or need assistance with your account, we're ready to answer all your questions.
Phone Support
1-281-729 4018
Mon-Fri: 8am-8pm CT
Email Support
info@hankiq.com
24-hour response time