Terms & Conditions

Storm Loss Consultants Inc.

​

Last Updated: 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Storm Loss Consultants Inc. (“Company,” “we,” “us,” or “our”), a Florida corporation, as well as any inquiries, consultations, or information you receive from us. By accessing or using our website or contacting us, you agree to be bound by these Terms. If you do not agree, do not use our website or services.

1. About Our Company and Services

Storm Loss Consultants Inc. is a Florida-based company. Our professionals are licensed All-Lines Adjusters by the Florida Department of Financial Services and are FCN card holders. We provide professional adjusting and storm-related consulting services strictly within the scope of our Florida licenses and credentials.

Important Legal Notice – Florida Compliance:
We are not public adjusters under Florida Statutes Chapter 626. We do not represent policyholders in the preparation, negotiation, or settlement of insurance claims against their own insurance carriers for compensation. We do not engage in the unauthorized practice of public adjusting or the practice of law. Nothing on this website or in any communication from us creates a public adjuster relationship, an attorney-client relationship, or any fiduciary duty beyond what is expressly agreed in a separate written contract.

Any formal engagement for services will be governed by a separate written agreement. These website Terms do not authorize or create a public adjusting relationship.

2. No Guarantee of Results

We make no guarantees, warranties, or representations regarding the outcome of any insurance claim, inspection, estimate, evaluation, or consulting engagement. Claim results depend on numerous factors outside our control, including policy terms, coverage decisions by the insurer, the nature and extent of damage, available documentation, and applicable Florida law. Any information or estimates provided are for general informational purposes only and are not promises of coverage, payment, or results.

3. User and Client Responsibilities

By using our website or engaging with us, you agree to:

• Provide accurate, complete, and truthful information.

• Understand and respect the limited scope of our services as licensed All-Lines Adjusters and FCN card holders.

• Not rely on our website content or communications as a substitute for the services of a licensed Florida public adjuster or attorney when those services are required.

• Comply with all applicable Florida laws and regulations.

4. Website Use and Intellectual Property

All content on this website, including text, graphics, logos, images, documents, and materials, is the property of Storm Loss Consultants Inc. or its licensors and is protected by United States and Florida intellectual property laws. You may not copy, reproduce, distribute, modify, display, or create derivative works from any content without our prior written consent.

You agree not to use the website for any unlawful purpose, including any activity that would constitute the unauthorized practice of public adjusting or law under Florida law, or in any manner that could damage, disable, overburden, or impair the website.

5. Disclaimer of Warranties

THE WEBSITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED BY STORM LOSS CONSULTANTS INC. ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY FLORIDA LAW, STORM LOSS CONSULTANTS INC., ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, ANY CONSULTATION, OR ANY SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE TOTAL FEES ACTUALLY PAID BY YOU TO US UNDER A SEPARATE WRITTEN SERVICE AGREEMENT DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100.00) IF NO SUCH FEES HAVE BEEN PAID.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such cases, our liability shall be limited to the fullest extent permitted by Florida law.

7. Indemnification

You agree to indemnify, defend, and hold harmless Storm Loss Consultants Inc., its officers, directors, members, employees, agents, and affiliates from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and costs) arising out of or related to: (a) your use of the website; (b) your breach of these Terms; (c) any inaccurate, incomplete, or misleading information you provide; or (d) your misuse of any information or materials obtained from us.

8. No Unauthorized Practice of Public Adjusting or Law

Nothing contained in these Terms, on our website, or in any communication from us shall be construed as the practice of public adjusting under Florida Statutes §§ 626.854 et seq., or as the practice of law. We do not prepare, complete, or file insurance claims on behalf of policyholders for compensation, negotiate settlements against insurers on behalf of insureds, or provide legal representation. If you require public adjusting or legal services, you should contact a properly licensed Florida public adjuster or attorney.

9. Privacy

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy carefully.

10. Governing Law, Venue, and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, the parties agree to submit the dispute to mediation in [County], Florida, before a mutually agreed mediator.

If mediation is unsuccessful, the exclusive venue for any legal action shall be the state or federal courts located in the State of Florida, and you hereby consent to the personal jurisdiction of such courts. You waive any objection to venue in Florida.

11. Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to acts of God, hurricanes, tropical storms, floods, other natural disasters, war, terrorism, labor disputes, government actions or orders, pandemics, or failures of utilities or third-party service providers.

12. Modifications to These Terms

We reserve the right to modify these Terms at any time in our sole discretion. Updated Terms will be posted on this page with a revised “Last Updated” date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms.

13. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any separate written service agreement between you and Storm Loss Consultants Inc., constitute the entire agreement between the parties concerning the subject matter hereof and supersede all prior or contemporaneous oral or written agreements, representations, and understandings.

15. Contact Information

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

Storm Loss Consultants Inc.

Email: admin@stormlossconsultants.com