For the record, here's the commands to reset the permissions (leaving all execute flags off, which may not be what you want).
Warning, this could have undesired side effects. If you have executable files in your home folder that you actually want to be executable, you will have to manually mark them as executable again.
My latest use for this was after extracting files from my p910i with p3nfs, which as with so many desktop/device tasks needed root to work.
# Become root (as you don't currently have permissions to modify your own files)
sudo -i
# Reset ownership & group to yourself
chown -R tim:tim /home/tim
# give yourself the default read-write permissions, set group and other to read only
chmod -R 644 /home/tim
# re-apply excecute permissions on all the directories
find /home/tim -type d -print0 | xargs -0 -II chmod 755 'I'
# Don't leave your private keys showing:
chmod -R 700 /home/tim/.ssh
My latest use for this was after extracting files from my p910i with p3nfs, which as with so many desktop/device tasks needed root to work.
You could do this slightly more neatly if you know what permissions you have ended up with by using chmod u+w etc so you don't have to re-apply directory permissions, but I wanted to easily guarantee permissions are right regardless of what state they have ended up in.
It occurs to me it might be sensible to set the sticky bit on the home folders so that anything added by root stays owned by the user. (chmod u+s g+s /home/tim)