Terms of Service
Last updated: October 1, 2026
1. Agreement to Terms
These Terms of Service ("Terms") govern your access to and use of www.clarionclaims.com and any related services (the "Services") provided by Clarion Claims Group ("we," "us," "our"). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
2. The Services
The Services provide information about public adjusting and let you request a claim review or contact us. Use of this website does not create a public-adjuster/client relationship. That relationship is formed only by a separate, signed written agreement.
3. No Guarantee of Outcome
Public adjusting outcomes depend on the facts of each claim, policy language, and the insurer's conduct. Nothing on the Services is a promise or guarantee of any particular result, recovery amount, or timeline. Past results do not guarantee future outcomes.
4. Not Legal Advice
Content on the Services is for general information only and is not legal advice. Consult a licensed attorney for legal questions about your claim.
5. Fees
Our fee arrangements are described in your individual signed engagement agreement and comply with applicable state law. Nothing on the Services should be read to imply that our fees are paid out of your insurance claim proceeds.
Some engagements, including Minnesota residential claims, include an upfront initial claim review and documentation fee described in your engagement agreement.
6. Your Responsibilities
You agree to provide accurate information and to use the Services lawfully. You may not:
- Misrepresent your identity or claim
- Upload unlawful, infringing, or malicious content
- Attempt to gain unauthorized access to our systems
- Use the Services to harm, harass, or defraud others
7. User Content
If you upload content (photos, documents, messages), you grant us a limited license to use it to provide the Services. You represent that you have the right to share it. You may not upload content that infringes others' intellectual property. We may remove infringing content and terminate accounts of repeat infringers. To report infringement, contact us at info@clarionclaims.com.
8. Intellectual Property
The Services, including text, design, logos, and software, are owned by Clarion Claims Group or our licensors and are protected by law. You may not copy, modify, or distribute them without permission.
9. Third-Party Services and AI
The Services may rely on third-party providers (hosting, analytics, CRM) and automated/AI tools. We are not responsible for third-party services. See our AI Disclosure for how automation is used.
10. Disclaimer of Warranties
The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.
11. Limitation of Liability
To the fullest extent permitted by law, Clarion Claims Group and its officers, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your access to or use of the Services. Our total liability arising out of or relating to the Services will not exceed the greater of (a) one hundred dollars ($100) or (b) the amount, if any, you paid us for the Services in the twelve months before the event giving rise to the claim.
This limitation applies only to this website and the Services. Rights and obligations under a separately signed engagement agreement or other professional-services agreement are governed by that agreement. Nothing in these Terms limits liability that cannot be limited or excluded under applicable law.
12. Binding Arbitration and Class-Action Waiver
Please read this section carefully. It affects your legal rights.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services (excluding the separate signed engagement agreement, which governs the adjusting relationship) will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable rules, rather than in court, except that either party may bring an individual claim in small-claims court.
The arbitration will take place in Hennepin County, Minnesota, or by remote/video proceeding where permitted. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.
Class-action waiver: You and Clarion Claims Group agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.
Opt-out: You may opt out of this arbitration agreement by emailing info@clarionclaims.com within 30 days of first accepting these Terms, stating your name and intent to opt out.
13. Governing Law and Venue
These Terms and any dispute arising out of or relating to the Services are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles, except to the extent federal law controls. The Federal Arbitration Act governs the interpretation and enforcement of Section 12.
For any dispute that may properly proceed in court rather than arbitration, you and Clarion Claims Group agree to the exclusive jurisdiction and venue of the state and federal courts located in or serving Hennepin County, Minnesota, except where applicable law gives you a right that cannot be waived.
14. Indemnification
To the fullest extent permitted by law, you agree to indemnify and hold harmless Clarion Claims Group and its officers, employees, agents, and affiliates from third-party claims, damages, liabilities, judgments, costs, and reasonable attorneys' fees arising from (a) your unlawful or unauthorized use of the Services, (b) content you submit through the Services that violates another person's rights, or (c) your material violation of these Terms. This obligation does not apply to the extent a claim results from Clarion Claims Group's own negligence, willful misconduct, or violation of applicable law.
15. Changes to These Terms
We may update these Terms. We will post the updated version here with a new "Last updated" date. Continued use after changes constitutes acceptance.