It's simple. We track housing prices in your Market. If home prices in your market decline below the a certain threshold, set at the time of your purchase, you receive a Payout. A Payout is designed to offset the potential decline in value of your home. You don’t have to file a claim or sell your home in order to receive a cash distribution. Once you receive a Payout that money is yours. There are no clawbacks should home prices in your market rise in the future.