# HOMEY: Heuristic Object Masking with Enhanced YOLO for Property Insurance Risk Detection

arXiv: https://arxiv.org/abs/2603.18502 · HTML: https://mlsanity.com/paper/2603.18502/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Builds on 6 of its 16 references that are in the map.
- First posted on arXiv 19 Mar 2026.

## Builds on (most cited first, 6 of 6)

- [YOLOv10: Real-Time End-to-End Object Detection](https://mlsanity.com/paper/2405.14458/) (2024)
- [YOLO-World: Real-Time Open-Vocabulary Object Detection](https://mlsanity.com/paper/2401.17270/) (2024)
- [Distance-IoU Loss: Faster and Better Learning for Bounding Box Regression](https://mlsanity.com/paper/1911.08287/) (2019)
- [RCBEVDet: Radar-camera Fusion in Bird's Eye View for 3D Object Detection](https://mlsanity.com/paper/2403.16440/) (2024)
- [SAFDNet: A Simple and Effective Network for Fully Sparse 3D Object Detection](https://mlsanity.com/paper/2403.05817/) (2024)
- [SARDet-100K: Towards Open-Source Benchmark and ToolKit for Large-Scale SAR Object Detection](https://mlsanity.com/paper/2403.06534/) (2024)

## Abstract (arXiv)

Automated property risk detection is a high-impact yet underexplored frontier in computer vision with direct implications for real estate, underwriting, and insurance operations. We introduce HOMEY (Heuristic Object Masking with Enhanced YOLO), a novel detection framework that combines YOLO with a domain-specific masking mechanism and a custom-designed loss function. HOMEY is trained to detect 17 risk-related property classes, including structural damages (e.g., cracked foundations, roof issues), maintenance neglect (e.g., dead yards, overgrown bushes), and liability hazards (e.g., falling gutters, garbage, hazard signs). Our approach introduces heuristic object masking to amplify weak signals in cluttered backgrounds and risk-aware loss calibration to balance class skew and severity weighting. Experiments on real-world property imagery demonstrate that HOMEY achieves superior detection accuracy and reliability compared to baseline YOLO models, while retaining fast inference. Beyond detection, HOMEY enables interpretable and cost-efficient risk analysis, laying the foundation for scalable AI-driven property insurance workflows.