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Terms & Conditions

Overview

Claim IT Help provides administrative and organizational support to the policyholder submitting a residential homeowner’s insurance claim. We do not give legal or insurance advice, do not negotiate or value claims, and do not communicate with insurers on your behalf. Payment begins a 30‑day Support Window, during which you may receive structured guidance, organization of materials, and professionally drafted policyholder‑authored communications. We do not guarantee outcomes.

Definitions

  • “Company,” “we,” “us,” “our”: Claim IT Help (legal entity).
  • “Client,” “you,” “your”: The individual policyholder purchasing services.
  • “Services”: Administrative and organizational support as described on our website.
  • “Support Window”: 30 consecutive calendar days beginning on the date and time payment is received.
  • “CIH”: Claim IT Help case identifier (e.g., CIH‑2026‑0001).
  • “Site”: claimithelp.com and subpages.
  • “Third‑Party Tools”: Wix, Stripe, Microsoft 365, email providers, and similar platforms.

Scope of Services (What We Do)

We may provide:

  • Organization of your claim documents and materials.
  • Structured file and folder preparation.
  • Drafting of policyholder‑authored emails or written responses for your review and sending.
  • Templates, checklists, and communication guidelines.
  • Identification of missing documentation and suggestions for structuring it.
  • General educational guidance on common documentation practices and insurer expectations.

We work only for you — the policyholder submitting the claim.

Boundaries of Services (What We Do NOT Do)

To stay compliant and within our expertise, we do not:

  • Provide legal advice.
  • Provide insurance advice or interpret policy language as advice.
  • Act as or hold ourselves out as a public adjuster, claims adjuster, or advocate.
  • Negotiate, value, settle, or advocate monetary positions with insurers.
  • Communicate with your insurer on your behalf.
  • Inspect property or determine damage.
  • Determine coverage or estimate loss amounts.
  • Guarantee outcomes, timelines, or payments.
  • Handle funds, escrow, or claims disbursements.

You remain responsible for all communications with your insurer.

Eligibility & Client Representations

You confirm that:

  • You are the policyholder or authorized claim submitter.
  • Your claim is residential, not commercial.
  • You are at least 18 years old.
  • All information and documents you provide are accurate and yours to share.
  • You will not submit unlawful or malicious content.

Term & Support Window

  • Services begin immediately upon payment.
  • The Support Window lasts 30 consecutive days and ends automatically at the same local time on Day 30.
  • Unused time does not roll over.
  • Additional support requires another payment.

Client Responsibilities

You agree to:

  • Provide timely, accurate, complete information and documents.
  • Review and approve all drafts before sending them to any insurer or third party.
  • Send all communications to insurers yourself.
  • Use secure upload methods for sensitive documents when provided.
  • Respond in a timely manner to allow work to be completed within the Support Window.

Fees, Payment, Refunds

  • The fee for the 30‑day Support Window is $199 (plus any applicable taxes/fees).
  • Payment is processed securely by Stripe.
  • We do not store full credit card numbers.
  • All sales are final once the Support Window begins.
  • If payment was made in error and no onboarding email or work has begun, you may request cancellation within 24 hours. Approval is at our sole discretion.

Deliverables & Communications

  • Deliverables include structured folders, checklists, templates, and drafted communications.
  • Drafted communications are for your use only; you decide whether to send them.
  • Our primary communication method is email; meetings are not guaranteed unless separately arranged.
  • We may limit communication volume to maintain quality and fairness across clients.

No Guarantee of Outcomes

Insurance outcomes depend on your policy, facts, documentation, and insurer review processes. We do not guarantee:

  • Coverage approvals
  • Claim payments
  • Timelines
  • Adjuster decisions
  • Any financial or operational outcome

You make all decisions regarding your claim.

Conflicts of Interest

We serve only the policyholder. If a conflict arises, we may withdraw and may, at our discretion, issue a prorated refund for unused support time.

Privacy & Data Handling

We treat your information as confidential and use it only to provide Services. We use Microsoft 365 (Outlook, OneDrive, SharePoint) for secure storage and transfer. No system is 100% secure; you accept the inherent risks of electronic communication. See our Privacy Notice for full details.

Use of Third‑Party Tools

You authorize our use of:

  • Wix for hosting
  • Stripe for payment processing
  • Microsoft 365 for storage, email, SharePoint case files

We are not responsible for outages, delays, breaches, or decisions of third‑party providers.

Intellectual Property

Templates, drafts, checklists, structures, and materials created by Claim IT Help remain our intellectual property. We grant you a non‑exclusive, non‑transferable license to use materials solely for your own claim. No reproduction, resale, distribution, or public posting is allowed.

Acceptable Use

You agree not to use the Services to:

  • Violate laws
  • Misrepresent facts to third parties
  • Upload malware
  • Harass or threaten others
  • Submit fraudulent information

Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR: Indirect, incidental, special, consequential, or punitive damages; Loss of profits, revenue, goodwill, or data; Any amount exceeding the fees you paid for the Support Window during which the claim arose. Some jurisdictions may not allow certain limitations; where restricted, the maximum allowed by law applies.

Indemnification

You agree to defend, indemnify, and hold harmless the Company from claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from:

  • Your use of the Services
  • Your communications to insurers or third parties
  • Your breach of these Terms
  • Your violation of law or third‑party rights

Suspension & Termination

We may suspend or terminate the Services for: Suspected fraud, Abuse, Nonpayment, Material breach. If termination is not due to your breach, we may, at our discretion, provide a prorated refund.

Changes to Terms

We may update these Terms periodically. The version in effect at the time of payment governs your Support Window. Material changes will be posted with a new effective date.

Force Majeure

We are not liable for delays or failures caused by events outside our reasonable control (outages, cyber incidents, natural disasters, etc.).

Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Maryland. Venue is in state or federal courts located in Maryland. Parties will attempt good‑faith resolution for 30 days before formal proceedings.

Notices & Electronic Consent

You consent to receive notices electronically at the email you provide. You may update your contact information at support@claimithelp.com.

Entire Agreement; Severability

These Terms, together with your payment receipt and onboarding messages, form the entire agreement. If any part is invalid, the remainder stays in effect. Failure to enforce rights is not a waiver.

Contact

Claim IT Help
Customer Support: support@claimithelp.com

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