Terms of Service

1 Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and ClaimPress Inc. ("Claimpress," "we," "us," or "our"), a licensed public adjusting firm operating in the State of New York, the State of New Jersey, and the State of Connecticut.

By accessing or using our website at claimpress.com (the "Site"), submitting a claim inquiry, or entering into a separate written Public Adjuster Agreement with us, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you are entering into these Terms on behalf of a business entity, you represent that you have the legal authority to bind that entity.

2 Our Services

Claimpress is a licensed public adjusting firm. We represent policyholders — not insurance companies — in the preparation, documentation, and negotiation of first-party property insurance claims. Our services may include:

• Review and analysis of your property insurance policy and coverage provisions
• Inspection and documentation of property damage
• Preparation of damage estimates and claim support documentation
• Forensic income loss analysis for business interruption and loss of rental income claims
• Communication and negotiation with your insurance carrier on your behalf
• Review of insurer scope, pricing, and settlement offers
• Preparation and submission of supplemental claims and formal appeals

Claimpress does not provide legal advice, legal representation, or services that constitute the practice of law. If your claim requires legal counsel, we will recommend that you consult a licensed attorney.

The specific scope of services provided to any individual client is governed by the written Public Adjuster Agreement signed between Claimpress and that client, which supplements and controls over these general Terms with respect to the engagement.

3 Eligibility

To use our Site and engage our services, you must:

• Be at least 18 years of age
• Have legal authority over the insured property or the policyholder's claim (as owner, authorized representative, or legal trustee)
• Hold a first-party property insurance policy with a carrier licensed to operate in the applicable state
• Be located in, or have an insured property located in, a state where Claimpress is licensed to operate (currently New York, New Jersey, and Connecticut)

We reserve the right to decline to represent any prospective client at our sole discretion, including claims outside our service area, claims we assess as outside our scope of expertise, or for any other lawful reason.

4 Client Engagement & Public Adjuster Agreement

Submitting an inquiry through our website, calling our office, or requesting a free claim review does not create a client relationship or obligate either party. A formal client relationship is established only upon execution of a written Public Adjuster Agreement signed by both you and an authorized representative of Claimpress.

The Public Adjuster Agreement will specify:

• The specific claim or claims we are retained to handle
• Our compensation structure (contingency fee percentage)
• The scope of authority granted to Claimpress to act on your behalf
• Applicable state-mandated disclosures and rescission rights

State-Mandated Rescission Rights

Under applicable state law, you may have the right to rescind (cancel) your Public Adjuster Agreement within a specified period of signing without penalty. The applicable rescission period is stated in your written agreement and governed by the laws of the state in which the insured property is located:

• New York: You may cancel the agreement within 3 business days of signing by providing written notice to Claimpress.
• New Jersey: You may cancel the agreement within 3 business days of signing by providing written notice to Claimpress.
• Connecticut: You may cancel the agreement within 3 business days of signing by providing written notice to Claimpress.

Rescission notices should be sent in writing to info@claimpress.com or by mail to 23-23 Borden Ave., Long Island City, NY 11101.

5 Fees & Payment

Claimpress operates on a contingency fee basis. We do not charge any upfront fees, retainer, or hourly rate. Our fee is a percentage of the settlement amount recovered on your claim, as specified in your written Public Adjuster Agreement.

Key terms regarding fees:

• No recovery, no fee: If we do not recover any additional funds on your behalf beyond any offer already made prior to our engagement, no fee is owed.
• Fee calculation: Our contingency fee is calculated as a percentage of the total settlement paid by your insurer, or in some cases the increase over the insurer's pre-engagement offer, as defined in your written agreement.
• State fee caps: Our fees comply with all applicable state-mandated caps on public adjuster compensation. In New York, the maximum fee permitted by law is 12.5% of the settlement amount on non-catastrophe claims. Fee caps in other states are disclosed in your written agreement.
• Payment timing: Our fee is earned and payable upon receipt of settlement funds by you or on your behalf from your insurer.
• Expenses: Unless otherwise specified in your written agreement, Claimpress does not charge separately for ordinary claim-related expenses such as inspections, documentation preparation, or carrier communications.

6 Your Obligations as a Client

By engaging Claimpress, you agree to:

• Provide accurate information: Supply complete and truthful information about your property, the damage event, your insurance policy, and any prior claims or payments related to this loss.
• Cooperate fully: Cooperate with Claimpress staff and our representatives during inspections, documentation, and the claim process.
• Provide access: Allow Claimpress and our independent contractors reasonable access to the insured property for inspection and documentation purposes.
• Preserve evidence: Do not authorize, commence, or permit repairs to damaged property without first notifying Claimpress, except for emergency mitigation work required to prevent further damage.
• Notify us promptly: Inform Claimpress immediately of any communications, offers, or actions taken by your insurer related to the claim we are handling.
• Do not make independent settlements: Do not accept, sign, or cash any settlement checks or releases related to a claim we are handling without first consulting Claimpress.
• Maintain insurance obligations: Continue to fulfill your own obligations under your insurance policy, including timely reporting of the loss, submission of any required proofs of loss, and compliance with policy conditions.

Failure to fulfill these obligations may impair our ability to represent you effectively and may affect the outcome of your claim. Claimpress is not responsible for adverse claim outcomes resulting from your failure to comply with these obligations.

7 No Guarantee of Outcome

Claimpress makes no representation, warranty, or guarantee regarding the outcome of any insurance claim. Past results — including settlement amounts referenced in our marketing materials, website, or testimonials — are illustrative of prior outcomes only and are not a guarantee or prediction of future results. Every claim is unique, and outcomes depend on the specific facts, policy terms, damage evidence, and insurer response applicable to each individual claim.

Nothing in these Terms, on our website, or in any communication from Claimpress constitutes a promise or guarantee that your claim will be approved, that your settlement will be increased, or that any specific dollar amount will be recovered.

8 Intellectual Property

All content on this Site — including text, graphics, logos, page layouts, and the Claimpress® name and trademark — is the exclusive property of ClaimPress Inc. and is protected by applicable copyright, trademark, and intellectual property laws.

You may not reproduce, copy, republish, upload, post, transmit, or distribute any content from this Site without our prior written permission, except that you may print or download individual pages for your personal, non-commercial use.

Any feedback, suggestions, or ideas you submit to Claimpress regarding our services may be used by us without restriction or compensation to you.

9 Third-Party Links & Resources

Our Site may contain links to third-party websites, including insurance carrier portals, contractor directories, and informational resources. These links are provided for your convenience only. Claimpress does not endorse, control, or assume any responsibility for the content, privacy practices, or accuracy of any third-party website. Your use of any third-party site is at your own risk and subject to that site's own terms and policies.

10 Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without any warranty of any kind, express or implied. To the fullest extent permitted by applicable law, Claimpress disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties as to the accuracy, completeness, or timeliness of any information on the Site

Informational content on this Site — including descriptions of insurance coverage, claim processes, and typical settlement outcomes — is provided for general educational purposes only and does not constitute legal, financial, or insurance advice. You should not rely on Site content as a substitute for professional advice specific to your situation.

11 Limitation of Liability

To the maximum extent permitted by applicable law, ClaimPress Inc., its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to lost profits, lost data, loss of goodwill, or business interruption — arising out of or in connection with your use of this Site or our services, even if we have been advised of the possibility of such damages.

In no event shall our total cumulative liability to you for any claims arising under these Terms or in connection with our services exceed the total fees paid by you to Claimpress in the twelve (12) months immediately preceding the event giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

12 Indemnification

You agree to indemnify, defend, and hold harmless ClaimPress Inc. and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of this Site or our services
• Your violation of these Terms
• Any inaccurate, incomplete, or misleading information you provide to Claimpress
• Your violation of any applicable law or the rights of any third party

13 Termination

Either party may terminate the client engagement by providing written notice to the other party, subject to the terms of the written Public Adjuster Agreement. Upon termination:

• Claimpress will cease acting on your behalf with respect to your insurer
• Any fees earned by Claimpress prior to termination for work already performed remain payable per the terms of your written agreement
• We will provide you with copies of all documentation prepared on your behalf

We reserve the right to terminate or suspend access to this Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

14 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. For claims arising from services performed in New Jersey or Connecticut, applicable state law may govern specific provisions of your written Public Adjuster Agreement as required by those states' public adjuster licensing statutes.

15 Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or our services, the parties agree to first attempt to resolve the matter informally by contacting Claimpress in writing at info@claimpress.com. We will make a good-faith effort to resolve the matter within thirty (30) days of receipt of written notice.

If informal resolution is unsuccessful, any unresolved dispute shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, with arbitration to be conducted in New York County, New York. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration.

Class action waiver: To the extent permitted by law, you agree that any dispute will be resolved on an individual basis only, and you waive any right to bring or participate in a class action, collective action, or representative proceeding.

16 Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Effective Date" at the top of this page. Your continued use of this Site or our services after any changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically. For active clients with a signed Public Adjuster Agreement, the Terms in effect at the time of your agreement signing govern your engagement unless a new agreement is executed.

17 Contact Us

If you have questions about these Terms of Service, please contact us:

These Terms of Service do not constitute legal advice. Claimpress is a licensed public adjusting firm, not a law firm. For legal advice specific to your situation, please consult a licensed attorney.