Terms of Service

Please read these Terms of Service (“Terms”) carefully before using the website or services of Northstar Public Adjusting (“Company”, “we”, “us”, or “our”). By accessing our website or engaging our services, you agree to be bound by these Terms.

1. Services

Northstar Public Adjusting is a public adjusting firm representing property owners — not insurance companies — in the preparation, documentation, and negotiation of insurance claims for property damage.

Our services include claim assessment, documentation, policy review, and negotiation with your insurance carrier on your behalf. We are not attorneys and do not provide legal advice.

2. No Guarantee of Outcomes

We make no guarantee, warranty, or representation regarding the outcome of any insurance claim, including any specific settlement amount, timeline, or coverage determination. Past results referenced on our website are provided for informational purposes only and are not indicative of future outcomes.

3. Contingency Fee Basis

Our services are provided on a contingency-fee basis. Our fee is a percentage of the settlement recovered on your behalf. No fee is earned unless we recover funds for you. The specific fee percentage will be set out in your signed public adjuster agreement.

4. Client Responsibilities

You agree to:

• Provide accurate and complete information about your property, damage, and insurance policy;
• Cooperate with our team and your insurance carrier throughout the claims process;
• Notify us promptly of any communications you receive from your insurance carrier;
• Take reasonable steps to protect your property from further damage after a loss event.

5. Communications and SMS

By providing your phone number and consenting to SMS communications, you agree to receive text messages from Northstar Public Adjusting regarding your claim, appointments, and related matters. Message and data rates may apply. Reply STOP at any time to opt out. See our SMS Consent Policy for full details.

6. Intellectual Property

All content on this website — including text, images, logos, and design — is the property of Northstar Public Adjusting and may not be reproduced, distributed, or used without our express written permission.

7. Limitation of Liability

To the fullest extent permitted by law, Northstar Public Adjusting shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, or from any decision made by your insurance carrier.

Our total liability to you for any claim arising out of these Terms or our services shall not exceed the fees actually paid by you to us.

8. Disclaimer

Our website is provided “as is” without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

9. Governing Law

These Terms are governed by the laws of the state in which Northstar Public Adjusting is registered to do business.

10. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date.

11. Contact Us

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

Northstar Public Adjusting
Address to be confirmed
Phone: (972) 904-6137
Email: David@northstarpublicadjusting.com