Effective Date: July 13, 2026
Coverage Estimate respects your privacy and is committed to handling your personal information responsibly. This Privacy Policy explains how Coverage Estimate (“Coverage Estimate,” “we,” “us,” or “our”) collects, uses, discloses, and protects information when you visit coveragestimate.com, request an insurance appraisal, submit an inquiry, or otherwise interact with our services.
By accessing or using our website, you acknowledge the practices described in this Privacy Policy.
Information We Collect
We may collect information that you provide directly to us, information collected automatically through the website, and information received from service providers or business partners.
Information You Provide
You may provide personal information when you:
- Complete a contact or quote request form
- Request an insurance appraisal or replacement cost evaluation
- Ask for a sample report
- Schedule a consultation
- Communicate with us by email
- Submit property documents or project information
- Respond to a survey or provide feedback
The information you provide may include:
- Your name
- Email address
- Association, company, or property name
- Property location
- Number of units or buildings
- Information about an insurance policy or renewal
- Property plans, reports, photographs, or valuation documents
- The contents of your messages and inquiries
- Any other information you choose to provide
Please do not submit sensitive personal information that is unnecessary for us to respond to your request or perform the requested service.
Property and Project Information
When you request an appraisal, valuation, or consultation, we may collect information concerning the property or association, including:
- Building addresses and descriptions
- Unit counts and configurations
- Construction types and materials
- Building plans or specifications
- Prior appraisal or valuation reports
- Insurance schedules and coverage information
- Renovation or improvement records
- Property photographs
- Common-element and amenity information
- Relevant communications with managers, board members, brokers, or insurance representatives
Some property information may relate to an organization or building rather than an identifiable individual. However, we will treat it responsibly and use it only for legitimate business purposes.
Information Collected Automatically
When you visit our website, certain information may be collected automatically through cookies, log files, analytics tools, pixels, or similar technologies.
This information may include:
- Internet Protocol address
- Browser type and version
- Device type
- Operating system
- Referring website
- Pages viewed
- Links selected
- Time and date of visits
- Approximate geographic location
- Time spent on the website
- Website interactions and navigation activity
- Information about website errors or performance
This information helps us maintain the website, understand how visitors use it, improve its performance, and protect it from fraud or misuse.
How We Use Information
We may use the information we collect to:
- Respond to inquiries and requests
- Provide quotes, scopes of work, and service information
- Perform insurance appraisals and replacement cost evaluations
- Prepare reports, estimates, and valuation analyses
- Review property documentation
- Communicate about an appraisal or consulting engagement
- Schedule inspections or consultations
- Deliver requested reports or materials
- Maintain business and project records
- Process and manage client relationships
- Improve our website, services, and communications
- Understand website traffic and visitor behavior
- Diagnose technical problems
- Protect our website, clients, and business
- Prevent fraud, misuse, or unauthorized activity
- Comply with applicable legal and regulatory obligations
- Establish, exercise, or defend legal claims
- Carry out other purposes disclosed when information is collected
We may also use aggregated or de-identified information for analytics, business planning, and service improvement. This information does not reasonably identify a specific individual.
Cookies and Similar Technologies
Our website may use cookies and similar technologies to operate properly, remember visitor preferences, analyze website activity, and improve the user experience.
Cookies are small data files placed on a device when a person visits a website. Some cookies are necessary for website functionality, while others may support analytics, performance measurement, or other features.
The types of cookies that may be used include:
Essential Cookies
These cookies support basic website functions, security, form submissions, and navigation.
Analytics Cookies
These cookies help us understand how visitors reach and use the website, including which pages are viewed most often and whether visitors encounter technical problems.
Preference Cookies
These cookies may remember choices or settings to provide a more consistent website experience.
You can usually control cookies through your browser settings. Depending on your browser, you may be able to block cookies, receive alerts when cookies are placed, or delete previously stored cookies.
Disabling certain cookies may affect the availability or performance of some website features.
Analytics and Third-Party Technologies
We may use third-party analytics, hosting, security, form-processing, email, or website-management services. These providers may collect information about website visits or process information submitted through the website on our behalf.
Such providers are permitted to process information only as necessary to perform services for us, subject to their agreements, policies, and applicable legal obligations.
Your browser or device may also provide settings that allow you to limit certain tracking technologies.
How We Disclose Information
We do not disclose personal information except as described in this Privacy Policy or as otherwise explained when the information is collected.
We may disclose information to the following categories of recipients.
Service Providers
We may provide information to companies or professionals that help us operate our business, such as:
- Website hosting providers
- Email and communication platforms
- Cloud storage providers
- Form-processing services
- Analytics providers
- Information technology and cybersecurity providers
- Document-management platforms
- Professional advisers
- Contractors or appraisal specialists assisting with an engagement
These providers may access information only as reasonably necessary to perform services for us.
Appraisal and Project Participants
Information may be shared with individuals or organizations involved in an appraisal or valuation engagement when necessary to complete the requested work.
These recipients may include:
- Association representatives
- Authorized board members
- Property managers
- Insurance agents or brokers
- Appraisal professionals
- Inspectors
- Estimators
- Consultants
- Contractors
- Other authorized project participants
We will not knowingly provide a completed report to an unrelated party without authorization, except where disclosure is legally required.
Legal and Safety Disclosures
We may disclose information when we reasonably believe disclosure is necessary to:
- Comply with a law, regulation, subpoena, court order, or legal process
- Respond to a lawful government request
- Enforce an agreement
- Protect our rights, property, or safety
- Protect the rights, property, or safety of clients or others
- Investigate fraud, security incidents, or unlawful activity
- Prevent harm or misuse of our website or services
Business Transactions
If Coverage Estimate is involved in a merger, acquisition, reorganization, financing, sale of assets, or similar business transaction, information may be disclosed to advisers, potential buyers, investors, or other parties involved in the transaction.
Any successor organization may continue to use information in accordance with this Privacy Policy unless otherwise disclosed.
Sale of Personal Information
Coverage Estimate does not sell personal information for monetary compensation.
We also do not knowingly sell personal information belonging to individuals under 18 years of age.
Certain privacy laws define “sale,” “sharing,” or targeted advertising more broadly than an exchange of information for money. Where required by applicable law, eligible individuals may contact us regarding these activities or submit a privacy request using the methods described below.
Data Retention
We retain personal information for as long as reasonably necessary to:
- Respond to inquiries
- Provide requested services
- Complete appraisal and valuation engagements
- Maintain project and business records
- Fulfill contractual obligations
- Resolve disputes
- Enforce agreements
- Meet professional, accounting, insurance, or legal requirements
- Protect against fraud and security threats
Retention periods may vary depending on the type of information, the nature of the engagement, our business needs, and applicable legal obligations.
When information is no longer reasonably necessary, we may delete it, anonymize it, or securely dispose of it.
Information Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
These safeguards may include access controls, secure hosting, account protections, data backups, staff procedures, and other security measures appropriate to the nature of the information.
However, no website, email system, electronic transmission, or storage method can be guaranteed to be completely secure. Therefore, we cannot guarantee the absolute security of information transmitted to or stored by us.
You should use caution when transmitting confidential information through email or website forms.
Your Privacy Choices and Rights
Depending on where you reside and the laws that apply, you may have certain rights concerning your personal information.
These rights may include the right to:
- Request access to personal information we maintain about you
- Request correction of inaccurate information
- Request deletion of certain personal information
- Request information about how your information is collected and used
- Request information about categories of third parties receiving information
- Object to or restrict certain processing
- Withdraw consent where processing is based on consent
- Receive certain information in a portable format
- Opt out of certain sales, sharing, or targeted advertising activities
- Appeal a decision concerning a privacy request
- Receive equal service without unlawful discrimination for exercising a privacy right
These rights are not absolute and may be subject to legal exceptions. For example, we may need to retain information to complete a transaction, comply with a contract, maintain professional records, protect legal rights, prevent fraud, or satisfy applicable law.
Submitting a Privacy Request
To submit a privacy request, email:
appraisals@coveragestimate.com
You may also contact us through: https://coveragestimate.com/contact/
Please include enough information for us to understand and respond to your request. We may ask you to verify your identity before completing the request.
Verification may require confirming information previously provided to us. We will use verification information only to evaluate and respond to the privacy request.
Where permitted by law, you may authorize another person to submit a request on your behalf. We may require proof that the person has authority to act for you and may still need to verify your identity directly.
California Privacy Rights
California residents may have rights under applicable California privacy laws, subject to the scope, thresholds, limitations, and exceptions of those laws.
Eligible California residents may have the right to request:
- The categories of personal information collected
- The categories of sources from which information was obtained
- The business or commercial purposes for collecting information
- The categories of third parties to whom information was disclosed
- The specific pieces of personal information maintained about them
- Correction of inaccurate personal information
- Deletion of certain personal information
- Opt-out from certain sales or sharing of personal information
- Limitation of certain uses of sensitive personal information
- Protection against unlawful discrimination for exercising privacy rights
Coverage Estimate does not sell personal information for monetary compensation.
To exercise an applicable California privacy right, contact us using the email address or contact page listed in the “Submitting a Privacy Request” section.
Other State Privacy Rights
Residents of certain U.S. states may have additional privacy rights under their state’s applicable laws.
Depending on the state and whether the relevant law applies to Coverage Estimate, these rights may include access, correction, deletion, portability, opt-out, restriction, or appeal rights.
We will evaluate properly submitted requests under the law applicable to the requesting individual.
Do Not Track Signals
Some browsers offer a “Do Not Track” setting. Because there is not currently a universally accepted standard for responding to all Do Not Track signals, our website may not respond to these browser settings in a uniform manner.
Where required by applicable law, we may recognize legally valid browser-based opt-out preference signals.
Email Communications
When you send us an email or submit a website form, we may use your contact information to respond to your inquiry and communicate about our services.
We may also send service-related messages concerning:
- Requests for information
- Quotes or proposals
- Site inspections
- Appraisal projects
- Report delivery
- Client support
- Changes affecting an engagement
Where legally required, promotional emails will include a method for opting out of future marketing messages. Opting out of promotional communications will not prevent us from sending necessary transactional or service-related messages.
Children’s Privacy
Our website and services are intended for property owners, association representatives, board members, property managers, insurance professionals, and other adults.
They are not directed to children under 13 years of age, and we do not knowingly collect personal information directly from children under 13.
If we learn that personal information has been collected from a child under 13 without appropriate authorization, we will take reasonable steps to delete it.
A parent or legal guardian who believes a child has submitted personal information may contact us at appraisals@coveragestimate.com.
Third-Party Websites
Our website may contain links to websites, platforms, or services operated by other organizations.
Coverage Estimate does not control the privacy, security, content, or data practices of third-party websites. This Privacy Policy does not apply to information collected by those third parties.
We encourage you to review the privacy policy of each third-party website before providing personal information.
International Visitors
Coverage Estimate is based in the United States. If you access the website from another country, your information may be transferred to, processed, and stored in the United States or another location where our service providers operate.
Data protection laws in those locations may differ from the laws in your country.
Where required, we will process personal information in accordance with applicable legal requirements.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our website, services, technology, business practices, or legal obligations.
When changes are made, we will post the revised policy on this page and update the effective date at the top.
Material changes may also be communicated through an additional website notice or another appropriate method.
We encourage visitors to review this Privacy Policy periodically.
Contact Coverage Estimate
Questions, concerns, or requests regarding this Privacy Policy or our handling of personal information may be submitted by email:
appraisals@coveragestimate.com
You may also use our online contact page.