Terms of Use

Effective date: January 1, 2026

By using propertydamagecalc.com, you agree to these terms. If you do not agree, please do not use the site.

Informational Use Only

All content on this site — including the property damage calculator, guides, FAQ, and any other materials — is provided for informational and educational purposes only. Nothing on this site constitutes legal, insurance, financial, or professional advice of any kind. Calculator results are estimates based on generalized formulas and publicly available data; they do not predict the outcome of any specific insurance claim or legal matter, and they are not a substitute for professional guidance.

No Professional Relationship

Use of this site does not create an attorney-client relationship, a public adjuster relationship, or any other professional relationship between you and The Click Lab or any individual associated with this site. Communications through our contact form or by email are not privileged.

Accuracy and Currency of Information

We strive to keep content accurate and current. Insurance law, depreciation standards, state regulations, and court decisions change over time. We cannot guarantee that every provision on this site reflects the most current rules in your jurisdiction. Verify any information you rely on with a licensed professional before taking action on a claim.

Intellectual Property

All original content on this site, including text, calculator code, and guide materials, is the intellectual property of The Click Lab. You may share links and quote brief excerpts with attribution. Reproduction of substantial portions of any page without permission is prohibited.

Limitation of Liability

To the maximum extent permitted by applicable law, The Click Lab and its operators, editors, and contributors are not liable for any damages — direct, indirect, incidental, consequential, or punitive — arising from your use of or reliance on this site, including any errors or omissions in the content or any actions you take based on information provided here.

Third-Party Links

This site may link to third-party websites (NFIP, state insurance departments, government resources). We do not control those sites and are not responsible for their content or privacy practices.

Governing Law

These terms are governed by the laws of the state in which The Click Lab operates, without regard to conflict of law principles.

Contact

Questions? Email hey@theclicklab.agency.