Terms of Use

General Information Only

Website content provides general information about property insurance claims and public adjusting services in New Jersey. It is not legal advice, insurance coverage advice, engineering advice, safety advice, or a substitute for reviewing your policy and loss with qualified professionals.

No Client Relationship From Website Use

Viewing this website, submitting a form, or receiving an initial response does not by itself create a public-adjuster engagement, attorney-client relationship, fiduciary relationship, or other professional relationship.

Any professional engagement must be established through a separate written agreement that identifies the parties, services, fees, and applicable terms.

No Guarantee of Coverage or Outcome

Insurance coverage, claim valuation, deadlines, and payment depend on the policy, endorsements, exclusions, deductibles, evidence, and circumstances of the loss.

The website does not promise that a claim will be covered, a denial will be reversed, an insurer will change its estimate, or a particular settlement or payment will result.

Your Responsibilities

You are responsible for providing accurate information, protecting people from unsafe conditions, taking reasonable steps to prevent additional damage, reviewing insurer communications, and meeting deadlines that may apply to your claim.

Seek emergency, engineering, legal, tax, accounting, or other specialized help when the situation requires it.

Website Availability and Accuracy

Reasonable efforts are made to keep the website useful and current, but content may be incomplete, become outdated, or contain errors. Access may be interrupted for maintenance, security, provider outages, or other reasons.

Links to third-party websites are provided for convenience. Their content, availability, security, and privacy practices are controlled by those third parties.

Permitted Use

You may use the website for lawful personal or business research and to request information about services. You may not interfere with the site's operation, probe its security, submit malicious code, impersonate another person, or use automated systems to abuse the form.

Limitation and Governing Law

To the extent permitted by law, the website and its content are provided without warranties regarding uninterrupted availability, fitness for a particular purpose, or a claim outcome. Applicable New Jersey and federal law govern website use, without overriding rights that cannot lawfully be limited.

Changes to These Terms

These terms may be revised as the website, services, or legal requirements change. Continued use after a revision is governed by the version posted at that time.