Terms of Use

Educational estimates only

The calculator and every article on this site provide estimates for educational purposes. They are not insurance advice, legal advice, or financial advice, and using this site does not create any advisory, agency, or professional relationship between you and Roof Claim Calc or its author.

No guarantee of any payout

A figure or verdict shown by the calculator is not a prediction of what your insurer will pay, and not a promise that a claim will or will not be paid. Real outcomes depend on your specific policy language, your carrier's depreciation schedule, the adjuster's findings, and your jurisdiction's regulations - none of which this site can see. The calculator uses a simplified straight-line depreciation model; your carrier may use a different method.

Read your policy and consult a licensed professional

Always read your full policy, including its declarations page and endorsements, before making a claim decision. Consult a licensed public adjuster, insurance agent, or attorney about your specific situation. Filing a claim is your right - but it has consequences regardless of payout, and the decision to file is yours alone.

Accuracy of information

State-law content is checked against primary sources where the page says so, but statutes, regulations, and court decisions change. Information on this site may be incomplete or out of date by the time you read it. Confirm anything you rely on against the current primary source or with a licensed professional.

Limitation of liability

This site is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose. To the fullest extent permitted by law, Roof Claim Calc and its author are not liable for any loss or damage - including a denied claim, a reduced payout, a premium increase, a non-renewal, or a CLUE report entry - arising from your use of, or reliance on, this site or its calculator.

Third-party links and ads

This site links to statutes, regulators, and other outside sources, and displays ads served by Google AdSense. We do not control those sites or advertisers and are not responsible for their content or products. We have no relationship with any contractor, adjuster, or advertiser shown on this site.

Changes to these terms

If we change these terms in a material way, we will update the date at the top. Continued use of the site after a change means you accept the updated terms.

Contact

Questions about these terms: see the contact page.