roofing

Hail Damage Helpers

Terms of Use & Disclaimer

1. Nature of Services

HailDamageHelpers.com ("the Website") requires all users to assent to these Terms of Use as a condition of using the site. The Website operates strictly as a lead generation and informational service. By submitting your information, you agree to be contacted by third-party independent contractors or service providers who may offer to inspect or repair your property. We simply make the connection; we do not perform the work.

2. No Contractor Relationship

HailDamageHelpers.com is NOT a licensed building contractor, General Contractor (GC), construction manager, or roofing company.

We do not bid on construction projects, perform repairs, supervise construction work, or guarantee the quality of work performed by any third-party provider matched through our service. Any contract or agreement for repair services is strictly between you (the property owner) and the independent service provider. We are not a party to that contract and assume no liability for disputes, defects, or damages arising from that relationship.

3. Not a Public Adjuster (UPPA Compliance)

HailDamageHelpers.com does NOT offer advice on insurance policy coverage, negotiate claims with insurers, or act as a Public Adjuster.

Engaging in the Unauthorized Practice of Public Adjusting (UPPA) is prohibited by law. Our services are limited to connecting you with contractors who can physically repair your property. We do NOT interpret insurance policies, prepare claim files for submission to carriers, or negotiate settlement amounts. Any statements regarding "insurance eligibility" on this site refer solely to the physical condition of the property typically required for a claim, not a guarantee of coverage.

4. Informational Purposes Only

Any "damage assessments," "hail history reports," "checklists," or other content provided on the Website are for educational and informational purposes only. They do not constitute a professional engineering report, a formal insurance adjustment, or a binding proof of loss. You should relying solely on this information for financial or legal decisions. Always seek a professional inspection by a licensed engineer or independent adjuster for a definitive assessment of your property's condition.

5. User Obligations and Release

A. License Verification

It is the sole responsibility of the homeowner/user to verify that any contractor or service provider introduced through this Website holds all necessary state and local licenses (including, but not limited to, a valid Roofing Contractor license) and permits required to perform work on your property. HailDamageHelpers.com does not independently verify the active licensure status of every third-party provider.

B. Insurance Verification

Before allowing any work to commence, you agree to verify that the contractor maintains adequate General Liability (GL) and Worker’s Compensation (WC) insurance coverage. Failure to verify this information places you at significant financial risk.

C. Financial Release

By using this Website, you explicitly release HailDamageHelpers.com, its owners, and affiliates from any and all liability, claims, or disputes arising from:

  • Deposits paid to contractors;
  • Unfinished or abandoned work;
  • Construction defects or poor workmanship;
  • Property damage caused by the contractor;
  • Mechanics Liens or materialmen's liens placed on your property.

6. Compliance with Insurance Laws

A. Prohibition on Deductible Payments

It is illegal in many jurisdictions (including under Texas Law, HB 2102) for a contractor to pay, waive, absorb, rebate, or otherwise offset the deductible on a property insurance policy. HailDamageHelpers.com strictly prohibits any form of deductible fraud. If a contractor offers to "pay your deductible" or give you a "free roof" by falsifying figures, you are advised to report them to the relevant state fraud bureau immediately. Participating in such a scheme may expose you (the policyholder) to criminal liability.

B. Fraud Prevention

You acknowledge that you are solely responsible for providing accurate, truthful information to your insurance carrier regarding the Date of Loss, cause of damage, and extent of damage. Falsifying this information to secure coverage is insurance fraud. HailDamageHelpers.com assumes no liability for fraudulent claims submitted by users or contractors.

C. Third-Party Independence

Contractors in our network operate as independent business entities. HailDamageHelpers.com has no control or oversight regarding their billing practices, invoicing, or interaction with insurance adjusters. We do not endorse or sanction any specific billing method used by third parties.

7. Limitation of Liability

By using this service, you agree to release, indemnify, and hold harmless HailDamageHelpers.com, its owners, and affiliates from any claims, damages, or losses resulting from your use of the site or your dealings with any third-party contractor introduced through the site.