Embedded loss control · Real estate E&O

Your book has a fraud exposure it was never trained for.

Agents are trained on fraud, then send their clients a notice during the transaction and again after closing. Every send is dated and logged, so the agent, the brokerage, and the client each hold a record of what was covered and where to go if something happens.

Deployed nationally. Continuing-education credit is state-specific.

PROGRAM CONTROL CENTER

PROTECTION RECORD · BROKERAGE VIEWILLUSTRATIVE

Annual fraud-awareness training completed

Agent roster record · timestamped

LOGGED

Consumer Fraud-Awareness Notice delivered

Per-transaction delivery · timestamped

LOGGED

Emerging-fraud alert distributed to agents

Distribution log · timestamped

LOGGED

Incident report filed to designated broker

One-tap agent report · timestamped

LOGGED

Illustrative interface. Actual platform views vary by role and configuration.

86%want training required

New national survey · NORC AmeriSpeak® · August 2026

Recent buyers and sellers want fraud-recognition training required.

64% encountered suspicious communications. 59% said fraud was not discussed—or they could not recall it.

See the national findings →

Nearly 1 in 4

Homebuyers received fraudulent or suspicious communications during closing.

CertifID · 2025

58% ↑

Increase in reported real estate fraud losses — with a 32% increase in complaints — from 2024 to 2025.

FBI IC3 · Internet Crime Report · Real estate fraud losses increased from $173.6 million (2024) to $275.1 million (2025)

100+

Wire-fraud lawsuits reviewed in a published litigation analysis.

CertifID · 2024 Sued for Wire Fraud report

These are exposure and attempt indicators. They do not represent completed fraud losses, insurance claims, covered claims, claim frequency, or program loss ratios.

Why this category

Established Liability Programs Already Include Loss-Control Services.

Cyber insurers responded to social engineering with security-awareness services. Employment-practices programs added training, templates, and hotlines. Real estate E&O programs are now facing a similar evolution.

Cyber

Security awareness and proactive tools

Security-awareness training and proactive tools are commonly included in cyber programs, and some insurers consider training practices in underwriting.

EPLI

Training, templates, and preventive resources

Employment-practices programs often include training, policy templates, hotlines, and preventive resources designed to support workplace practices.

HOME FRAUD DEFENSEReal Estate E&O

Recurring Fraud Awareness for Real Estate E&O

Home Fraud Defense applies a similar loss-control model through recurring fraud awareness, consumer notices, incident reporting, and documented participation designed specifically for real estate E&O programs.

Benefits of the Home Fraud Defense Platform

Home Fraud Defense brings these services together in one platform designed specifically for real estate E&O programs. Competitive offerings and program configurations vary.

Differentiate the Program

A visible loss-control service designed for real estate fraud exposure.

Year-Round Engagement

Tools, alerts, and records that keep insureds engaged throughout the policy period.

Documented Participation

Creates timestamped participation records that underwriting and loss-control teams can evaluate within their existing processes.

A Persistent Exposure

Wire fraud, seller impersonation, deed fraud, and related transaction risks continue to affect real estate professionals.

What is included

Here is what the broker gets.

Participating brokerages get all six components, their agents get them on web, iOS, and Android, and their clients receive the fraud-awareness notice during the transaction.

Annual Fraud-Awareness Training

Documented annual education for participating professionals, with periodic micro-learning and emerging-fraud updates.

Emerging-Fraud Alerts

Timely awareness notices when new schemes or transaction risks surface.

Consumer Fraud-Awareness Notice

A consistent educational notice delivered to buyers and sellers during the transaction.

Protection Records

Training completion, notice delivery, alerts, and incident reports logged in a cumulative, exportable record.

One-Tap Incident Reporting

Agents document suspicious activity and notify the appropriate brokerage contact.

Optional HFDCP™ Credential

A private fraud-awareness credential for eligible professionals.

HFDCP™ is a private professional credential. It is not a government license, regulatory designation, insurance credential, or state certification.

Claims & underwriting

A Record Exists Before a Claim Does.

The platform gives underwriting, claims, program-management, and loss-control teams a consolidated record of participation and delivery:

Which agents completed training
Which alerts were distributed
When consumer notices were delivered
What incidents were reported
Which brokerages participated
What program activity occurred over time

Home Fraud Defense creates and stores program documentation. It does not determine coverage, liability, admissibility, legal effect, underwriting treatment, or claim outcome. Those determinations depend on the facts, policy language, governing law, carrier procedures, and advice of counsel.

BROKERAGE PROGRAM REPORT · Q3ILLUSTRATIVE

Agent training completion

Roster status by agent · exportable

TRACKED

Consumer notice deliveries this quarter

Per-transaction Protection Records

TRACKED

Alerts distributed to agents

Distribution log with timestamps

TRACKED

Incident reports received

Agent-to-broker, logged

TRACKED

Illustrative interface. Actual platform views vary by role and configuration.

Education and Documentation.

Not Wire Confirmation.

Home Fraud Defense does not receive, scan, validate, approve, transmit, or confirm wire instructions. It does not participate in the movement of funds and is never the confirming party in a wire transfer.

Does

Educate

Alert

Document

Report

Provide records

Does Not

Confirm account details

Confirm wire instructions

Authorize payments

Hold funds

Provide escrow services

Make claim or policy determinations

Provide legal advice

Case summaries

The Litigation Environment.

Provided for education and discussion. These summaries do not establish a universal duty, standard of care, coverage obligation, or claim outcome. Results depend on the facts, jurisdiction, causes of action, policy language, and applicable law.

Agent & Brokerage

Bain v. Platinum Realty, LLC

A buyer followed fraudulent wiring instructions that appeared to come from a real estate agent's email account. The agent represented the sellers, not the buyer. A federal jury found the agent and brokerage liable on a negligent-misrepresentation theory and assigned them 85% of the fault, on total damages of $196,622.67.

U.S. DISTRICT COURT, DISTRICT OF KANSAS · NO. 16-2326-JWL (DOCKETED AS BAIN V. CONTINENTAL TITLE HOLDING CO., INC. ET AL.) · JURY VERDICT APRIL 24, 2018 · POST-TRIAL RULING JUNE 25, 2018

Commercial escrow

Mago v. Arizona Escrow & Financial Corp.

In a commercial escrow transaction involving the purchase of a franchise, an imposter used a lookalike email address to send fraudulent wiring instructions. The escrow company released approximately $79,000 without telephone confirmation. The jury assigned the escrow company 100% of the fault and assigned none to the imposter or to the party whose email was compromised.

ARIZONA COURT OF APPEALS · NO. 1 CA-CV 22-0270 · UNPUBLISHED MEMORANDUM DECISION, NONPRECEDENTIAL EXCEPT AS PERMITTED UNDER ARIZONA RULE OF THE SUPREME COURT 111(c) · AFFIRMED IN PART, REVERSED AND REMANDED IN PART

Summaries provided for education and discussion only. They do not establish a universal duty applicable in every jurisdiction. Legal outcomes depend on specific facts, causes of action, policy language, and governing law. See also Methodology & Sources.

Partnership structures

Four Ways to Structure the Program.

Illustrative structures for discussion. Final design depends on carrier, program, regulatory, actuarial, legal, and contractual review.

Embedded Policyholder Benefit

Include Home Fraud Defense as a value-added risk-management service for eligible insureds.

Eligibility or Underwriting Factor

Consider documented participation as one input within a broader underwriting or eligibility framework.

Incentive-Based Participation

Offer carrier-approved incentives for completing defined training or documentation requirements.

Measured Pilot

Deploy with an initial book segment and evaluate adoption, participation, documentation activity, and available claims data.

Measured pilot

Designed to Be Measured.

Home Fraud Defense does not claim a proven reduction in claim frequency, severity, or loss ratio across an insurance book. That evidence does not exist yet, and a measured pilot is how it gets built.

A pilot establishes baseline data and evaluates enrollment, training completion, notice delivery, alert engagement, incident-reporting activity, brokerage participation, and available claim and loss trends over an agreed period.

Any conclusion about claim impact should rest on sufficient carrier data, appropriate actuarial analysis, and an agreed evaluation period.

Pilot evaluation areas

Enrollment and brokerage activation

Agent training completion

Consumer notice delivery

Alert engagement

Incident-reporting activity

Program retention

Available claim and loss data

Agreed measurement period and methodology

Founder & company

I built this after watching it happen.

John Rowan

Founder, Home Fraud Defense™

S25-0019ADRE-Approved Arizona School

APAACCertified CLE Instructor

CDEI™ARELLO Certified Distance Ed. Instructor

ARELLOAffiliate Member

I helped law enforcement during an active real estate fraud investigation involving a senior homeowner. It exposed a clear gap: the schemes had become more sophisticated, and the recurring fraud-awareness infrastructure for real estate professionals had not kept pace.

As a pilot, I retrained every single year for emergencies with odds close to one in a million. In real estate, fraud now reaches nearly one in four homebuyers during a closing, and most licensees train for it once, if ever. Why would we train less for the thing that is actually happening?

Home Fraud Defense grew from that into a national platform built for real estate E&O programs, running on web, iOS, and Android, with an ADRE-approved school behind the curriculum.

Arizona-licensed real estate professional

REALTOR® member

Founder, Home Fraud Defense™

Administrator, ADRE-approved Arizona real estate school #S25-0019

ARELLO affiliate member

ARELLO/CDEI™ certified distance education instructor

Former commercial pilot

Guest lecturer, ASU W. P. Carey School of Business

About Home Fraud Defense · Our Credentials · HFDCP™ Professional Program

TMPAA Annual Summit

Bring Us Your Real Estate E&O Book.

Schedule a focused discussion covering your current fraud exposure, insured population, existing risk-management services, potential configuration, and a measured pilot framework.

TMPAA ANNUAL SUMMIT · OCTOBER 19–21, 2026 · WESTIN KIERLAND RESORT · SCOTTSDALE, ARIZONA

Home Fraud Defense is attending as a TMPAA affiliate member. References to TMPAA do not imply sponsorship, endorsement, or approval.

Tell us about your program and what you would like to cover. We will respond with the program brief and, during Summit season, available meeting times at the Summit.

Best fit today: program administrators and carriers with real estate agent and broker E&O books, title and escrow professional liability programs, and MGAs evaluating social engineering endorsements for real estate professionals.