Terms and Conditions
These terms explain the purpose and use of roofexclusion.com and its request form. Questions about the website can be sent to info@roofexclusion.com.
What this website provides
Roofexclusion.com provides educational information about roof exclusions, roof condition, and homeowners insurance options. It also offers a way to request assistance with an insurance inquiry. Roofexclusion.com is not an insurance company and does not issue insurance policies.
Articles, examples, tables, and explanations are general information. They cannot determine what a particular policy covers, whether an insurer will accept a property, or whether a lender will accept a proposed policy. Those questions require review of the applicable documents and circumstances.
Requests, quotes, and coverage
Submitting a request, receiving a confirmation, discussing options, or viewing a quote does not by itself create, change, or bind insurance coverage. Coverage depends on the insurer's acceptance, the applicable policy or binder, its effective date, and any required conditions.
Assistance may involve an insurance professional reviewing or responding to your inquiry. Available insurers, terms, premiums, and eligibility depend on the property, location, underwriting requirements, and the options available to the professional handling the request. This website does not promise that coverage, a particular price, or a particular insurer will be available.
Before accepting an option, review the insurer's identity, the policy and endorsements, limits, deductibles, exclusions, payment terms, and any required repairs or inspections. If the property is financed, confirm acceptability with the lender. Keep existing coverage in place until any replacement coverage has been confirmed and its effective date understood.
Accuracy of information you submit
Submit information that is accurate to the best of your knowledge and that you are authorized to provide. Tell the person handling your inquiry about material corrections or changes. Do not use the form to impersonate someone or send information you do not have permission to share.
Availability and service area
We do not accept quote assistance requests for properties in California, Hawaii, New York, or Rhode Island. Elsewhere, the availability of assistance and insurance options depends on the location and risk. Online form access does not mean that a person is available to respond immediately.
Pages and forms may be unavailable during technical problems or maintenance. Do not rely on this website to meet a cancellation deadline, report an urgent loss, or make a time-sensitive change to a policy. Contact your insurer or the insurance professional responsible for your policy directly.
Privacy and communications
The Privacy Policy describes information handling associated with this website. The request form is hosted by Jotform. Review the information and any communication permissions displayed in the form before submitting it. These terms do not provide blanket consent to marketing calls, text messages, or unrelated communications.
Use of website content
You may read, link to, and print the educational content for your personal use. Copyright and other rights in website material remain with their respective owners. Other use must be permitted by the applicable rights holder or by law.
Do not interfere with the operation or security of the website, attempt to access nonpublic systems or form responses, submit malicious software, or use the website for unlawful activity. Ordinary access to public pages by search engines and other crawlers is subject to the website's published crawler instructions and reasonable server capacity.
External resources and content updates
Links to insurers, regulators, form services, and other resources are provided for context or convenience. Their terms and practices may differ from those of roofexclusion.com. A link does not mean that an external organization endorses this website.
Insurance forms, underwriting practices, and regulatory requirements can change. We welcome reports of an error or outdated explanation at info@roofexclusion.com. Check current policy documents and obtain advice relevant to your circumstances before making an insurance decision.
These terms and your rights
Website content and functionality are provided without a promise that they will always be complete, current, or uninterrupted. These terms do not change an insurance contract or remove rights that cannot be excluded under applicable law. Changes to these terms will be posted here with an updated date.
For questions, contact info@roofexclusion.com or visit roofexclusion.com.