Acceptance of terms
By using roofclaimplaybook.com, you agree to these terms. If you don't agree, please don't use the site. We may update the terms from time to time and will revise the "Last updated" date above when we do.
What we do — and what we don't
Hail Claim is a publisher of educational guides about residential hail insurance claims. Our content is written to help homeowners understand the process and the tools available to them. The information is general and reflects what we believe to be accurate at the time of publication.
We are not:
- An insurance company, broker, or agent.
- A licensed public adjuster, attorney, or contractor.
- A substitute for professional legal, insurance, or construction advice.
Your specific situation depends on your policy language, your state's laws, the facts of your loss, and the professionals you work with. Always review your policy and consult a licensed adjuster, attorney, or contractor for advice tailored to your claim.
Accuracy and updates
We do our best to keep the guides current, but insurance regulations, carrier practices, and case law change. Timelines, payout averages, and policy language examples in our guides are illustrative and not a guarantee of any particular outcome on your claim.
Outbound links and references
Our guides reference government resources (NOAA, state insurance departments), community discussions on Reddit, industry trade organizations, and media reports. These links are provided for context; we don't endorse every view expressed on those sites and we have no control over their content. Quoted commenters retain all rights to their own statements.
Contact form use
When you send us a message through the contact form, you confirm that the information you provide is truthful and that you have the right to share it. Don't send us sensitive personal information (Social Security numbers, medical records, bank account numbers) — we don't need it to help with a claim question, and we don't want that risk for either of us.
Intellectual property
The original text, diagrams, and page layouts on roofclaimplaybook.com are our copyright. You may quote short excerpts with attribution (a link back to the source page is the easiest way) for personal, non-commercial use. For anything beyond that, email us at nocodetalks@gmail.com first.
Third-party trademarks (State Farm, Allstate, Xactimate, Symbility, and others mentioned in the guides) belong to their respective owners and are used only for identification and commentary. Their appearance here does not imply endorsement by us or by them.
No warranties
The site is provided as is and as available. We make no warranties — express or implied — about accuracy, completeness, fitness for a particular purpose, or the results you may get from following the guides. Your use of the information is at your own risk.
Limitation of liability
To the fullest extent permitted by law, Hail Claim and its authors will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site or its content. If any claim does succeed, the total liability is capped at one hundred U.S. dollars ($100).
User conduct
Don't use the site to send spam, attempt to bypass security, scrape at high volumes, or submit false information through the contact form. We may restrict or block access if we detect abuse.
Governing law
These terms are governed by the laws of the United States and the state in which Hail Claim's operator is located, without regard to conflict of laws principles. Disputes will be resolved in the state or federal courts of that jurisdiction.
Contact
Questions about these terms? Email nocodetalks@gmail.com or use the .