Effective Date: July 13, 2026
These Terms of Use govern your access to and use of coveragestimate.com, including any pages, forms, content, tools, reports, materials, and services made available through the website.
The website is operated by Coverage Estimate (“Coverage Estimate,” “we,” “us,” or “our”).
By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with these terms, you should not use the website.
Use of the Website
You may use this website only for lawful purposes and in accordance with these Terms of Use.
The website is intended to provide general information about condominium insurance appraisals, replacement cost evaluations, master policy valuations, insurance-to-value analysis, and related services.
You may use the website to:
- Learn about our services
- Request information
- Submit a contact or quote request
- Ask for a consultation
- Request a sample report
- Communicate with our team
- Provide property or project information
- Begin the process of requesting an appraisal or valuation
Accessing the website does not create a client, appraisal, consulting, fiduciary, or other professional relationship between you and Coverage Estimate.
A professional relationship is created only after both parties agree to a written scope of work, engagement agreement, service contract, or other formal arrangement.
Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use this website.
By using the website on behalf of an association, company, organization, property owner, board, or other entity, you represent that you have the authority to act on behalf of that entity and to accept these Terms of Use.
Informational Purposes Only
The information on this website is provided for general informational and educational purposes.
Website content should not be interpreted as:
- Legal advice
- Insurance advice
- Tax advice
- Accounting advice
- Engineering advice
- Architectural advice
- Construction advice
- Financial advice
- Coverage confirmation
- A binding appraisal
- A certified replacement cost opinion
- A guarantee of claim payment
- A recommendation to purchase or modify a specific insurance policy
You should consult qualified legal, insurance, financial, construction, engineering, or other professionals before making decisions based on your specific circumstances.
No Insurance Coverage Guarantee
Coverage Estimate provides appraisal, replacement cost, and valuation-related services. However, we are not an insurance carrier and do not issue insurance policies.
Nothing on this website guarantees:
- That an insurer will accept a valuation
- That an insurer will issue or renew coverage
- That a carrier will agree with an estimated replacement cost
- That a claim will be covered
- That a claim will be paid in full
- That policy limits will be sufficient for every possible loss
- That construction costs will remain unchanged
- That no coinsurance or other policy limitation will apply
Insurance coverage is governed by the terms, conditions, exclusions, limits, endorsements, and requirements of the applicable insurance policy.
Questions about insurance coverage should be directed to a licensed insurance professional or legal adviser.
Appraisal and Valuation Limitations
Any appraisal, replacement cost evaluation, or valuation service provided by Coverage Estimate will be subject to the assumptions, limitations, exclusions, methodology, effective date, and scope stated in the applicable report or engagement agreement.
Replacement cost estimates may be affected by factors including:
- Changes in labor costs
- Changes in material prices
- Market availability
- Supply chain disruptions
- Building code requirements
- Permit requirements
- Contractor availability
- Demolition conditions
- Debris removal costs
- Site access
- Property configuration
- Catastrophe-related demand
- Economic conditions
- Unforeseen construction conditions
A valuation reflects information and conditions available as of its stated effective date. It should not be assumed to remain accurate indefinitely.
Clients are responsible for periodically reviewing and updating insurance values.
Accuracy of Website Information
We make reasonable efforts to present accurate and useful information. However, website content may contain errors, omissions, outdated information, or incomplete descriptions.
We do not warrant that:
- The website will always be accurate
- All information will be current
- Every service description will apply to every property
- The website will be available without interruption
- Errors will be corrected immediately
- The website will be free of harmful components
We may update, remove, revise, or replace website content at any time without notice.
Quotes, Proposals, and Service Requests
Submitting a form or contacting Coverage Estimate does not require us to accept an engagement or provide services.
Any preliminary estimate, quote, price range, schedule, or service description may be subject to change after we review the property, available documents, requested scope, site conditions, location, deadlines, and other relevant factors.
A project will not be considered accepted until the parties enter into an applicable written agreement.
If a website statement conflicts with a signed engagement agreement, the signed agreement will control.
Information You Submit
You are responsible for the accuracy, legality, and completeness of information you submit through the website or provide in connection with a service request.
You represent that you have the authority to provide any documents, photographs, plans, insurance information, association records, property information, or other materials you submit.
You must not submit information that:
- Infringes another person’s rights
- Violates confidentiality obligations
- Is fraudulent or misleading
- Contains malicious software
- Is unlawful
- You do not have permission to disclose
Coverage Estimate may rely on information provided by clients, property managers, board members, brokers, agents, contractors, consultants, and other authorized parties.
We are not responsible for errors caused by inaccurate, incomplete, withheld, or outdated information supplied by others.
Acceptable Use
You agree not to use the website in a way that could damage, disable, disrupt, overburden, or interfere with its operation.
You may not:
- Use the website for unlawful or fraudulent activity
- Attempt to gain unauthorized access to the website or related systems
- Interfere with website security
- Introduce viruses, malware, malicious code, or harmful technology
- Scrape, crawl, harvest, or extract website content through automated means without written permission
- Impersonate another person or organization
- Submit false or misleading information
- Attempt to bypass access controls
- Use the website to send spam or unsolicited messages
- Copy or reproduce website content for commercial use without permission
- Reverse engineer any website feature or technology
- Use website content to create a competing service
- Interfere with another person’s use of the website
We may suspend or restrict access if we believe a user has violated these Terms of Use.
Intellectual Property Rights
The website and its contents are owned by Coverage Estimate or used with permission.
Protected content may include:
- Text
- Graphics
- Branding
- Logos
- Designs
- Layouts
- Reports
- Sample reports
- Diagrams
- Valuation formats
- Methodologies
- Photographs
- Icons
- Software
- Downloadable materials
- Website code
- Service descriptions
These materials may be protected by copyright, trademark, trade secret, and other intellectual property laws.
You may view, print, or download reasonable portions of website content for your personal, internal, or noncommercial use.
You may not, without prior written permission:
- Republish website content
- Sell or license website materials
- Modify or create derivative works
- Remove copyright or ownership notices
- Use our branding in a misleading manner
- Copy a sample report for use as your own appraisal
- Reproduce our report format for commercial purposes
- Use our content to imply an endorsement or affiliation
No rights are granted except those expressly stated in these Terms of Use.
Trademarks
Coverage Estimate’s name, logos, branding, service names, graphics, and related identifiers may be trademarks or service marks.
You may not use these marks without prior written permission, except where legally permitted.
All third-party names, trademarks, logos, and service marks appearing on the website belong to their respective owners.
Sample Reports and Illustrative Materials
Sample reports, figures, calculations, diagrams, project examples, and valuation summaries shown on the website are provided for illustrative purposes only.
They do not represent a valuation of your property and should not be used to determine insurance limits.
Any figures shown may be hypothetical, simplified, anonymized, or based on a particular property and date.
Your actual appraisal or replacement cost evaluation may differ substantially.
Third-Party Links
The website may include links to third-party websites or services.
These links are provided for convenience only. Coverage Estimate does not control and is not responsible for third-party content, availability, privacy practices, security, products, or services.
A link does not necessarily indicate endorsement, sponsorship, approval, or affiliation.
You access third-party websites at your own risk and should review their terms and policies.
Electronic Communications
By contacting us through the website or by email, you consent to receiving electronic communications related to your inquiry or engagement.
These communications may include:
- Responses to inquiries
- Quotes
- Proposals
- Scheduling messages
- Document requests
- Project updates
- Report delivery notices
- Administrative messages
- Service-related communications
Electronic communications satisfy any requirement that communications be provided in writing, to the extent permitted by law.
You are responsible for providing an accurate email address and maintaining access to it.
Privacy
Your use of the website is also subject to our Privacy Policy.
The Privacy Policy explains how we collect, use, disclose, retain, and protect personal information.
By using the website, you acknowledge that you have reviewed the Privacy Policy.
Website Availability
We may modify, suspend, restrict, or discontinue any part of the website at any time.
We are not responsible for losses caused by:
- Website outages
- Maintenance
- Internet disruptions
- Hosting failures
- Cybersecurity incidents
- Third-party service failures
- Technical errors
- Incompatibility with a device or browser
- Loss of submitted information
We are not obligated to maintain any particular website feature, page, form, document, or service description.
Disclaimer of Warranties
To the fullest extent permitted by law, the website and all website content are provided on an “as is” and “as available” basis.
Coverage Estimate disclaims all express and implied warranties, including warranties of:
- Merchantability
- Fitness for a particular purpose
- Accuracy
- Completeness
- Reliability
- Availability
- Noninfringement
- Security
- Title
- Compatibility
We do not warrant that the website will meet your needs or that use of the website will produce a specific result.
Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, exclusions apply only to the extent permitted by law.
Limitation of Liability
To the fullest extent permitted by law, Coverage Estimate and its owners, employees, contractors, consultants, affiliates, service providers, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the website.
This includes damages related to:
- Lost profits
- Lost revenue
- Lost data
- Business interruption
- Loss of opportunity
- Insurance coverage disputes
- Property decisions
- Reliance on website content
- Unauthorized website access
- Viruses or harmful code
- Third-party websites
- Inability to use the website
To the extent liability cannot be excluded, our total liability arising from use of the website will not exceed the amount you paid, if any, specifically to access the website during the six months before the event giving rise to the claim.
This limitation applies only to website use and does not replace any liability terms contained in a separate signed engagement agreement.
Some jurisdictions do not allow certain liability limitations. In those jurisdictions, the limitations apply only to the extent permitted by law.
Indemnification
You agree to defend, indemnify, and hold harmless Coverage Estimate and its owners, employees, contractors, consultants, affiliates, service providers, and representatives from claims, losses, liabilities, damages, judgments, costs, and expenses arising from:
- Your violation of these Terms of Use
- Your misuse of the website
- Information or materials you submit
- Your violation of another person’s rights
- Your unlawful conduct
- Your unauthorized use of website content
Coverage Estimate may assume control of the defense of a matter subject to indemnification. You agree to cooperate with that defense.
Governing Law
These Terms of Use are governed by the laws of the state in which Coverage Estimate maintains its principal place of business, without regard to conflict-of-law principles.
Any dispute arising from these Terms of Use or website use must be brought in a court with proper jurisdiction in that state, unless applicable law requires otherwise.
Because the company’s principal state of business is not identified on this page, this section should be updated with the appropriate state and county before publication.
Dispute Resolution
Before filing a legal claim relating to the website, you agree to contact Coverage Estimate and attempt to resolve the dispute informally.
You may contact us at:
appraisals@coveragestimate.com
The parties will make a reasonable effort to resolve the issue before pursuing formal proceedings.
Any dispute-resolution terms contained in a signed engagement agreement will control for disputes involving paid appraisal or valuation services.
Termination
We may suspend or terminate your access to the website at any time if we reasonably believe you have:
- Violated these Terms of Use
- Used the website unlawfully
- Threatened website security
- Interfered with other users
- Misused website content
- Submitted fraudulent information
Sections that by their nature should survive termination will continue to apply, including intellectual property, disclaimers, liability limitations, indemnification, and governing law provisions.
Changes to These Terms
We may update these Terms of Use from time to time.
When changes are made, we will post the revised version on this page and update the effective date.
Your continued use of the website after revised terms are posted constitutes acceptance of the updated terms.
You should review this page periodically.
Severability
If any provision of these Terms of Use is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect.
The affected provision will be interpreted or modified to the minimum extent necessary to make it enforceable where permitted.
Waiver
A failure by Coverage Estimate to enforce any provision of these Terms of Use does not waive our right to enforce that provision later.
A waiver is effective only if provided in writing by an authorized representative of Coverage Estimate.
Entire Agreement
These Terms of Use and the Privacy Policy constitute the entire agreement between you and Coverage Estimate concerning use of the website.
They do not replace a separate engagement agreement, proposal, contract, report, or scope of work relating to professional services.
If there is a conflict between these Terms of Use and a signed service agreement, the signed agreement will control for the applicable engagement.
Contact Us
Questions about these Terms of Use may be submitted by email: