Terms of Service Agreement
Forensic Public Adjusters, Inc.
Effective Date: June 17, 2025
This Terms of Service Agreement ("Agreement") is a legal contract between you ("Client," "You," or "Your") and Forensic Public Adjusters, Inc. ("Company," "We," "Us," or "Our"), a licensed public adjusting firm. By engaging Our services, You agree to be bound by the terms and conditions outlined in this Agreement. If You do not agree with these terms, You may not use Our services.
1. Introduction
This Agreement governs the relationship between You and Forensic Public Adjusters, Inc. for the provision of public adjusting services related to insurance claims. We represent policyholders in negotiating and settling insurance claims for property damage or loss, as permitted by applicable state laws. This Agreement outlines the scope of Our services, Your responsibilities, and the terms under which We operate.
2. Scope of Services
Forensic Public Adjusters, Inc. provides the following services ("Services"):
- Claim Assessment: Inspecting and evaluating property damage or loss to determine the scope of the claim.
- Policy Review: Analyzing Your insurance policy to identify applicable coverages, endorsements, and terms.
- Documentation: Preparing and submitting claim documentation, including estimates, inventories, and proof of loss.
- Negotiation: Representing You in negotiations with Your insurance company to maximize Your claim payout.
- Advocacy: Acting exclusively on Your behalf, ensuring Your interests are protected throughout the claim process.
We do not provide legal advice, construction services, or insurance coverage beyond what is stipulated in Your policy. Our Services are limited to those permitted under state licensing regulations for public adjusters.
3. Client Responsibilities
You agree to:
- Provide accurate and complete information about Your insurance policy, the loss event, and any prior claims.
- Grant Us access to the damaged property for inspection and documentation purposes.
- Cooperate with Us and Your insurer, including making the property available for inspections as required.
- Promptly notify Us of any communications or documents received from Your insurer.
- Refrain from negotiating directly with Your insurer without Our involvement, unless otherwise agreed in writing.
Failure to fulfill these responsibilities may impact Our ability to perform Services and could result in termination of this Agreement.
4. Fees and Payment
- Contingency Fee: As per any signed contract, as State Regulations require.
- No Recovery, No Fee: You owe no fees if there is no recovery, except outlined expenses.
- Expenses: Reimbursable out-of-pocket expenses (e.g., travel, experts).
- Payment Terms: Fees due upon receipt of settlement. Invoices will be provided.
- Statutory Limits: In catastrophe cases, any fee cap may be set per State Regulations.
5. Contract Requirements
As required by state law:
- A signed written contract is required before services begin.
- You may rescind a contract as required by state regulations, provided you give written notice.
- The contract will state: "WE REPRESENT THE INSURED ONLY."
- A copy will be sent to Your insurer within 5 days.
6. Limitations of Liability
We do not guarantee specific settlement amounts. Our total liability is limited to the amount of fees paid. We are not liable for consequential damages or third-party actions.
7. Intellectual Property
All materials we produce remain Our property until fees are paid. You may not use them outside of the claim without written consent.
8. Confidentiality
We will treat Your information as confidential and only disclose it as necessary for claim handling, in accordance with privacy laws.
9. Termination
You may terminate this Agreement in writing, subject to contract terms. We may also terminate for cause. You remain liable for fees and expenses up to termination.
10. Governing Law
Agreements are governed by State law. Disputes will be resolved in the State where the contract was written.
11. Dispute Resolution
All disputes must be settled in the State where written.
12. Compliance with State Regulations
We comply with state laws in each State where the contract was written. We will maintain required records per State regulations and use Trust Accounts for fiduciary funds.
13. Consent to Terms
By using Our Services, You agree to these terms. Consent may be expressed by signing a written contract or continuing to engage Our services.
14. Amendments
We may update these terms at any time. Continued use of Services after changes constitutes acceptance. Latest version available at www.fpa.us.
15. Contact Information
Forensic Public Adjusters, Inc.
2121 Avenue of the Stars, Suite 800 PMB #8014, Century City, CA 90067
Phone: (855) 441-6031
Email: steve.madden@fpa.us
Website: www.fpa.us
16. Severability
invalid, unenforceable, or in conflict with any written or signed State contract, the State contract shall take precedence, and the remaining provisions of this Agreement will remain in full effect.
By engaging Forensic Public Adjusters, Inc., You agree to the terms and conditions set forth in this Agreement.
