Effective Date: March 27, 2026

Welcome to www.recovery-claim.com (the "Website"), operated by Recovery Claim Adjusters Inc. ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our Website, services, and all communications — including text messages (SMS/MMS) — between you ("you," "your," or "User") and the Company. By accessing our Website, using our services, or opting in to receive text messages, you agree to be bound by these Terms. If you do not agree, please do not use our Website or services.

1. Services

Recovery Claim Adjusters Inc. is a licensed public adjusting firm that advocates on behalf of policyholders in the preparation, filing, and settlement of insurance claims. Our services include property damage assessment, claim documentation, negotiation with insurance carriers, and related consulting. All services are performed in accordance with applicable Florida statutes and regulations governing public adjusters.

The information provided on our Website is for general informational purposes and does not constitute legal, financial, or insurance advice. Each claim is unique, and outcomes may vary based on individual circumstances, policy terms, and carrier responses.

2. Eligibility

By using our Website and services, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you are using our services on behalf of a business or other entity, you represent that you have the authority to bind that entity to these Terms.

3. User Responsibilities

When using our Website or engaging our services, you agree to:

• Provide accurate, complete, and current information

• Not submit false, fraudulent, or misleading claims or documentation

• Cooperate in good faith throughout the claims process

• Not use the Website for any unlawful purpose or in violation of any applicable local, state, or federal law

• Not attempt to gain unauthorized access to any portion of the Website, its systems, or networks

• Not interfere with or disrupt the operation of the Website

4. Service Agreements

Engagement of our public adjusting services requires a separate written agreement between you and Recovery Claim Adjusters Inc. These Terms govern your use of the Website and general communications; they do not replace or modify the terms of any signed service contract or representation agreement. In the event of a conflict between these Terms and a signed service agreement, the service agreement shall control.

5. SMS/Text Messaging Terms

Consent to Receive Messages

By providing your mobile phone number through our Website, web forms, in-person interactions, or by texting us directly, you expressly consent to receive recurring text messages (SMS and MMS) from Recovery Claim Adjusters Inc. These messages may include claim status updates, appointment reminders and confirmations, service-related notifications, and responses to your inquiries.

Consent to receive text messages is not a condition of purchasing any goods or services from us.

Message Frequency

Message frequency varies depending on your engagement with us and the status of your claim. During active claim periods, you may receive multiple messages per week.

Message and Data Rates

Standard message and data rates may apply as determined by your mobile carrier. Recovery Claim Adjusters Inc. is not responsible for any fees charged by your wireless provider.

Opt-Out

You may opt out of text messages at any time by replying STOP to any message received from us. Upon opting out, you will receive a single confirmation message, and no further text messages will be sent unless you choose to re-subscribe. Opting out of text messages will not affect other forms of communication or the status of any active service agreement.

Help

For questions or support regarding our text messaging program, reply HELP to any message or contact us using the information in Section 15 below.

No Third-Party Sharing

We do not sell, rent, lease, or share your mobile phone number or personal information collected through our SMS/MMS messaging program with third parties or affiliates for their marketing or promotional purposes.

Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission by your wireless provider.

6. Intellectual Property

All content on this Website — including text, graphics, logos, images, design elements, and software — is the property of Recovery Claim Adjusters Inc. or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this Website without our prior written consent.

7. Website Availability and Accuracy

We make reasonable efforts to keep our Website operational and its content accurate. However, we do not warrant that the Website will be available at all times or that the information presented is error-free. We reserve the right to modify, suspend, or discontinue any part of the Website at any time without prior notice.

8. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over the content, privacy policies, or practices of any third-party sites. Inclusion of any link does not imply endorsement. You access third-party sites at your own risk and are subject to their respective terms and policies.

9. Disclaimer of Warranties

THE WEBSITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS OR VIRUSES. YOUR USE OF THE WEBSITE AND OUR SERVICES IS AT YOUR SOLE RISK.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RECOVERY CLAIM ADJUSTERS INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL — ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, OUR SERVICES, OR THESE TERMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING UNDER OR RELATED TO THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless Recovery Claim Adjusters Inc. and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Website, your violation of these Terms, your violation of any applicable law, or your submission of any false or misleading information.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or your use of the Website or services shall be subject to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida. You hereby consent to the personal jurisdiction of such courts.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

14. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Website or services after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Contact Us

If you have questions, concerns, or requests regarding these Terms and Conditions, please contact us:

Recovery Claim Adjusters Inc.
13350 SW 131 Street, Unit 102
Miami, FL 33186

Website: www.recovery-claim.com