Legal
Legal disclaimer
Last updated 3 August 2026
Read this before you use anything Claims Suite produces. It explains what this software is, what it deliberately does not do, and where your own state's law puts limits on you rather than on us.
Claims Suite is a documentation and estimating tool sold to contractors. It is not a public insurance adjuster, an insurance agent or producer, an insurance company, or a law firm, and it does not provide insurance, coverage, or legal advice.
What Claims Suite does
Claims Suite helps a contractor organise its own inspection findings, measurements, photographs and line-item pricing into written documents — estimates, supplement requests, correspondence and payment records — that describe the contractor's own scope of work and the contractor's own price for that work.
What Claims Suite does not do
- It does not act on behalf of any policyholder, and it does not represent, advise or advocate for any insured.
- It does not negotiate with, correspond with, or communicate with any insurance carrier, adjuster, or third-party administrator. It has no connection to any carrier system.
- It does not interpret insurance policies, determine coverage, evaluate what a claim is worth, or advise anyone on whether to accept or reject a settlement.
- It does not file, prepare, complete or submit insurance claims on behalf of an insured.
- It does not send anything. Ever. Transmission is always an act you take yourself.
You are the author
Every document Claims Suite generates is a draft, produced from information you supply. You are solely responsible for reviewing, verifying, correcting, approving, signing and transmitting every document, and for the accuracy of every measurement, quantity, price, code citation and factual statement in it.
State law varies, and some states impose criminal penalties
In many states, negotiating or settling an insurance claim on behalf of a policyholder for compensation — or advertising that you do so — requires a public adjuster licence, and doing it without one is a crime. Several states go further and specifically restrict what contractors may do and say regarding insurance claims. These include, without limitation:
| State | What it restricts | Authority |
|---|---|---|
| Texas | A contractor may not act as, or advertise as, a public insurance adjuster on a property it is also repairing. Advertising alone can constitute the offence. | Tex. Ins. Code §§ 4102.001, 4102.051, 4102.163 |
| Florida | Only a licensed public adjuster or attorney may advertise or solicit claim-preparation services; contractors face specific prohibitions. | Fla. Stat. §§ 626.854, 489.147 |
| Louisiana | Restricts contractors from adjusting claims and from holding themselves out as insurance claims specialists. | Act 144 of the 2025 Regular Session, eff. 1 Aug 2025 |
| Colorado | Restricts roofing contractors regarding insurance claim representation. | C.R.S. § 6-22-105 |
Many states also make it unlawful — and in Texas a criminal offence — to pay, waive, absorb, rebate or offset a policyholder's insurance deductible. Claims Suite does not support and does not condone that practice.
You are responsible for your own compliance
You must independently determine what your state's law permits before you use any document produced with Claims Suite. Nothing in this software, on this website, in our marketing, or in our support communications is legal advice or a legal opinion, and no attorney-client, adjuster-client or agency relationship is created between us and you, or between us and any homeowner. Consult a licensed attorney and, where appropriate, a licensed public adjuster in your state.
No guarantee of outcome
We make no representation, warranty or guarantee that any estimate, supplement or letter produced with Claims Suite will be accepted, approved or paid in whole or in part by any insurance carrier. What a carrier approves depends on the property, the accuracy and completeness of your own documentation, the terms of the homeowner's policy, the carrier's own scope and pricing, and applicable state law — none of which we control.
No affiliation with any insurer
Carrier names that appear on this website or in the software are used only to identify document formats the software can read or produce. Claims Suite is not affiliated with, sponsored by, endorsed by, or acting on behalf of any insurance company. All trademarks belong to their respective owners.
Questions
Write to support@claimssuite.com, or [LEGAL ENTITY NAME], [STREET, CITY, ST ZIP].