Terms of Service
Effective Date: 7/2/2025
Welcome to Happy Adjuster! These Terms of Service (“Terms”) govern your use of our website and services. By accessing or using Happy Adjuster, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, please do not use our services.
1. Overview of Services
Happy Adjuster is a referral and coordination platform that connects homeowners with licensed and experienced insurance adjusters. We help users:
- Schedule virtual consultations with independent adjusters
- Review insurance policies and property risks
- Receive non-binding, educational guidance on claims-related matters
We do not provide insurance or legal advice, nor do we make or adjust claims on your behalf.
2. User Responsibilities
By using our services, you agree to:
- Provide accurate and complete information when filling out forms or scheduling appointments
- Use our services only for lawful purposes
- Respect the advice and time of adjusters you’re connected with
- Not impersonate another person or submit false information
3. No Guarantees
While we work with experienced, licensed professionals, Happy Adjuster makes no guarantees about the outcome of any claim, policy review, or insurance process.
Coverage eligibility, claim approval, and settlement amounts are determined solely by your insurance carrier.
4. Payment and Fees
Some services may be free (such as your initial 15-minute consultation), while others may involve fees. You will be informed clearly before any payment is required.
All payments are final unless otherwise stated. Adjuster fees, if applicable, will be handled directly between you and the adjuster.
5. Third-Party Professionals
Adjusters we connect you with are independent professionals, not employees or agents of Happy Adjuster. We are not liable for the services they provide or decisions they make.
It is your responsibility to vet and verify the credentials of any adjuster you choose to work with.
6. Intellectual Property
All content on this website — including logos, text, graphics, and layout — is the property of Happy Adjuster and may not be copied, distributed, or reproduced without permission.
7. Limitation of Liability
To the maximum extent permitted by law, Happy Adjuster is not liable for:
- Any indirect, incidental, or consequential damages
- The performance or actions of third-party adjusters
- Errors or omissions in information provided on our website
8. Disclaimers
Happy Adjuster is not an insurance company, public adjusting firm, or legal advisory service. All recommendations or insights shared by adjusters are for informational purposes only and do not constitute binding advice.
9. Termination of Service
We reserve the right to suspend or terminate your access to our services at any time, for any reason, including but not limited to violation of these Terms.
10. Governing Law
These Terms are governed by the laws of the state of Idaho, without regard to its conflict of law provisions.
11. Changes to These Terms
We may update these Terms from time to time. If changes are made, we’ll post the updated version on our website and update the “Effective Date” at the top.
Continued use of the site after changes means you accept the new Terms.
12. Contact Us
If you have any questions about these Terms, you can reach us at:
Happy Adjuster
Email: support@happyadjuster.pro
Phone: (208) 462-0433
Website: happyadjuster.pro