Terms of Service

Last updated: February 2026

Acceptance of Terms

By accessing or using the PublicAdjustHQ website ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. We reserve the right to modify these Terms at any time, and your continued use of the Site constitutes acceptance of any changes.

Description of Service

PublicAdjustHQ is an online directory that helps homeowners find licensed public adjusters. Our services include:

  • A searchable directory of public adjuster firms organized by state and city
  • License verification information sourced from state department of insurance databases
  • Educational content about public adjusters and the insurance claims process
  • Contact forms and lead submission forms to connect homeowners with public adjusters

Use of the Directory

The PublicAdjustHQ directory is provided as an informational resource. You agree to use the Site only for lawful purposes and in accordance with these Terms. Specifically, you agree not to:

  • Use the Site for any unlawful purpose or in violation of any applicable laws
  • Scrape, crawl, or use automated means to collect data from the Site without our express written permission
  • Submit false, misleading, or fraudulent information through any form on the Site
  • Attempt to interfere with the proper functioning of the Site
  • Impersonate any person or entity in connection with the Site
  • Use information obtained from the Site to harass, spam, or solicit listed businesses in a manner that violates applicable laws

Disclaimer of Endorsement

Inclusion of a public adjuster firm in our directory does not constitute an endorsement, recommendation, or guarantee by PublicAdjustHQ. We do not evaluate the quality of services provided by any listed firm. The directory is intended to help you identify licensed public adjusters in your area; the decision to hire any particular adjuster is solely your responsibility.

Featured and premium listings are paid placements and are clearly labeled as such. Paid status does not influence our editorial content or organic directory rankings.

License Verification

We make reasonable efforts to verify public adjuster licenses through publicly available state department of insurance databases. However, license information may not always be current or complete. We encourage you to independently verify a public adjuster's license status with the appropriate state regulatory body before hiring.

Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of PublicAdjustHQ or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our express written permission.

User Submissions

When you submit information through our contact forms or lead capture forms, you represent that the information you provide is accurate and that you have the right to share it. You grant PublicAdjustHQ permission to use the information for the purposes described in our Privacy Policy.

Limitation of Liability

To the fullest extent permitted by applicable law, PublicAdjustHQ and its owners, operators, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, including but not limited to:

  • Any decisions you make based on information found on the Site
  • The quality, performance, or outcome of services provided by any public adjuster found through the Site
  • Inaccuracies or errors in directory listings, license information, or educational content
  • Loss of data or unauthorized access to your personal information

In no event shall our total liability exceed the amount you paid to use the Site (which, for most users, is zero, as the directory is free to use).

Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or timeliness of directory listings, license information, or any other content on the Site.

Indemnification

You agree to indemnify and hold harmless PublicAdjustHQ and its owners, operators, officers, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

Third-Party Links

The Site may contain links to third-party websites, including public adjuster firm websites and government regulatory websites. These links are provided for convenience only, and we have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. Visiting these links is at your own risk.

Governing Law

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 provisions. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Florida.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Us

If you have questions about these Terms of Service, please contact us: