Terms of use

These Terms of Use apply when you visit the Claims Answer Man website, use our free guides and checklist, or take our online course. Claims Answer Man is the homeowner education program of Homeowners Insurance Exposed. In these terms, “we”, “us” and “our” mean Claims Answer Man and the business that operates it, and “you” means the person using the site.

By using the site, you agree to these terms. Our Privacy Policy and our educational disclaimer are part of them. If you do not agree, please do not use the site.

Everything Claims Answer Man provides is general education about how homeowners insurance claims work. That includes the course, free guides, checklists, worksheets, emails and videos. It is not legal, insurance, adjusting, financial, tax, engineering or construction advice. It is not advice about your own claim.

Your policy wording, your state’s rules and the facts of your loss decide your claim. For advice about your situation, talk to an attorney licensed in your state or, where your state allows them, a licensed public adjuster. Your state insurance department also answers consumer questions for free.

Reading the site, sending us a message or taking the course does not create an attorney-client, public adjuster, insurance agent, contractor or any other professional relationship with Claims Answer Man, John Dwayne or Homeowners Insurance Exposed.

• We do not contact your insurance company for you.
• We do not review, sign or negotiate anything for you.
• Messages you send us are not confidential the way a conversation with your own attorney is.

Every claim is different. The amount, timing and outcome of your claim depend on your policy, your insurer, your state and the facts of your loss. We do not promise or guarantee any payment, settlement amount, approval or result, even if you follow every lesson. You remain responsible for your own decisions, your claim deadlines and what you tell your insurer.

The site is written for homeowners in the United States. Anyone may read the free guides. You must be at least 18 years old to create a course account or buy the course. The site is not directed to children under 13.

When the course opens, you will need an account to watch the lessons. By creating one, you agree to:

• give accurate information, including a working email address;
• keep the account for one person: you;
• keep your password private and not reuse it from another website;
• tell us quickly if you think someone else has used your account; and
• accept responsibility for activity on your account.

To protect the lessons, we may limit how many devices can be signed in at once and review sign-ins that look unusual. You can ask us to close your account at any time through our contact page.

When you buy the course, you do not buy the videos themselves. You receive a license: permission to use them under these terms. The license is:

• personal: for you, to help with your own home and claim;
• streaming only: you watch lessons inside your account, and videos are not available to download;
• non-transferable: you cannot give, sell or lend it to someone else; and
• limited in time: it lasts for the access period shown before you pay.

A family member, friend or contractor helping with your claim may sit with you while you watch. They may not use your login.

Worksheets, checklists and forms marked as downloadable may be saved and printed for your own claim. You may give copies to the people helping with that claim, such as your contractor or adjuster. Course videos may show a light watermark with your name or email address to discourage copying.

To protect the course and the homeowners who use it, you agree not to:

• copy, download, screen-record or redistribute course videos;
• share your login or let others use your account;
• republish course material on any website, blog or forum;
• sell, rent, sublicense or resell the course or any part of it;
• upload course material to social media or video platforms;
• reproduce our material for any commercial use, including a competing course or paid claim service, without our written permission;
• remove watermarks or copyright notices;
• get around access controls, or use bots or scrapers to copy the site;
• try to break into, overload or disrupt the site or other people’s accounts;
• send spam, threats or misleading information through our forms; or
• use anything you learn here to exaggerate, invent or misrepresent damage in an insurance claim. Insurance fraud can be prosecuted as a crime.

If you break these rules, we may suspend or end your access, and we may take other steps the law allows to protect our work.

You are welcome to read our free guides, print them for your own use and send links to anyone who might find them helpful. The free claim checklist is yours to print and use for your claim, and you may give printed copies to neighbors dealing with their own claims.

Please do not copy whole guides onto another website. A short quote with credit and a link back to the page is fine.

The course videos, worksheets, website text, graphics, the Claims Answer Man name and logo, and the line “Know your rights. Take control. Manage your own claim.” belong to Claims Answer Man or the people who licensed them to us. They are protected by United States copyright and trademark law. These terms give you permission to use them only as described here. They do not transfer ownership.

If you believe something on our site uses your copyrighted work without permission, contact us with a description of the work, where it appears on our site and how to reach you. We will look into it promptly.

You keep ownership of what you write to us. You allow us to use it to reply and to help you. If you send ideas or suggestions for the course, we may use them to improve it without owing you anything.

We will never publish your name, your story or a testimonial without your clear permission. Please do not send other people’s private information.

The course is not on sale yet. You can join the course early-access list to hear when it opens. When it does, the price, what is included, the access period and the refund policy will all be shown before you pay. Payments will be processed by Stripe, and we never store your full card number. Sales tax is added where the law requires it. Promotional codes may come with their own conditions, which will be shown with the code.

When you create a course account or buy the course, you agree that we can send receipts, password resets, access notices and changes to these terms by email. These messages are part of running your account, so they still arrive after you stop marketing emails. Please keep the email address on your account current so they reach you.

Our guides link to government agencies, consumer organizations and the Homeowners Insurance Exposed website because they are useful to homeowners. We do not control those sites and are not responsible for their content, accuracy or privacy practices.

We may update, add or remove guides and lessons to keep them accurate and useful. The site may sometimes be unavailable for maintenance or for reasons beyond our control. We work to keep it running, but we cannot promise it will always be available or free of errors.

We work to keep our content accurate and current, but insurance policies, laws and practices change and differ from state to state and insurer to insurer. The site and course are provided “as is” and “as available”. To the fullest extent the law allows, we make no warranties of any kind, whether stated or implied, including warranties of accuracy, fitness for a particular purpose or non-infringement.

To the fullest extent the law allows:

• Claims Answer Man, John Dwayne and Homeowners Insurance Exposed are not liable for any indirect, incidental, special, consequential or punitive damages arising from your use of the site or course;
• we are not responsible for decisions made by your insurer, adjuster, contractor, lender or anyone else about your claim; and
• if we are found liable for anything, our total liability is limited to the amount you paid us, if any, in the 12 months before the event that led to the claim.

Some states do not allow certain limits on liability. In those states, these limits apply only as far as the law permits.

If you break these terms or misuse our material, and someone makes a legal claim against us because of it, you agree to cover the reasonable costs we face as a result, including reasonable legal fees, to the extent the law allows.

You can stop using the site at any time. We may suspend or end your access if you break these terms or if we have to for legal or security reasons. The sections on ownership, disclaimers, limits on liability and your responsibility to us continue to apply after access ends.

This site does not yet name the business that operates Claims Answer Man or the state whose laws will govern these terms. We will name both in this section when our business details are finalized, and the date at the top of this page will change when we do.

If you have a problem with us, please contact us first. Most issues can be sorted out with a simple conversation, and we will try in good faith to resolve yours within 30 days before either side takes formal action.

We may update these terms, for example when the course and checkout open. The date at the top of this page shows the latest version. For an important change, we will post a notice on the site or email account holders. If you keep using the site after a change, you accept the updated terms. Changes do not apply to a dispute that started before them.

• These terms, the Privacy Policy and the Disclaimer are the full agreement between you and us about the site.
• If a court finds one part of these terms unenforceable, the rest still applies.
• If we do not enforce a rule right away, we have not given up the right to enforce it later.
• You may not transfer your rights under these terms. We may transfer ours if Claims Answer Man is merged, sold or reorganized.

Send us a message through our contact form and we will reply by email. If your question is about your own claim rather than these terms, our free claim help guides are the best place to start.