During the term of the Unlock Agreement it is your responsibility to maintain your home in good condition, subject to normal wear-and-tear.  Unlock makes its investment under the assumption that you will honor this obligation.  If you do not, when the Unlock Agreement ends your home's value will most likely be less than it would have been if it had been properly maintained and that would negatively affect both of us.  To address that, the Unlock Agreement has a provision called the Maintenance Adjustment.
For example, if you decide to sell your home 10 years after entering an Unlock Agreement and the Ending Home Value is $40,000 less than it should be due to extensive termite damage, we would have the right to make a Maintenance Adjustment.  For purposes of calculating the Unlock Share, the Ending Home Value would be adjusted upward by $40,000 so we would not share in the loss.
The amount of the Maintenance Adjustment is determined by independent third-party appraisals, inspections, and repair estimates.  Typically, no Maintenance Adjustment will apply unless the aggregate cost of the required repairs is at least $10,000.
See the Unlock Product Guide for more details.