TERMS & CONDITIONS
RoofExclusion.com
Effective Date: June 13, 2026
These Terms & Conditions (“Terms”) govern your access to and use of RoofExclusion.com, including any related webpages, forms, tools, calculators, content, communications, advertisements, text messages, emails, calls, or services offered through the website.
The website is operated by Roof Exclusion (“Roof Exclusion,” “Company,” “we,” “us,” or “our”).
By accessing or using this website, submitting information through this website, clicking a button, checking a box, requesting information, or otherwise interacting with us, you agree to these Terms. If you do not agree to these Terms, do not use this website.

1. Important Service Disclosure
   Roof Exclusion is an informational, educational, marketing, and referral platform.
   Roof Exclusion helps consumers learn about homeowners insurance challenges involving older roofs, roof condition concerns, roof-related underwriting issues, roof exclusions, nonrenewals, cancellations, high-risk home insurance situations, FAIR Plan placement, and possible alternatives to FAIR Plans or similar state residual market programs. Roof Exclusion may connect consumers with third-party professionals, companies, vendors, or service providers that may be able to assist with homeowners insurance, high-risk home insurance, roof-related underwriting concerns, property risk issues, roof repair or replacement resources, and other home-insurance-related needs.
   Roof Exclusion is not:
   · an insurance company;
   · an insurance carrier;
   · an insurance underwriter;
   · a claims adjuster;
   · a public adjuster;
   · a roofing contractor;
   · a home inspector;
   · a general contractor;
   · a mortgage lender;
   · a mortgage broker;
   · a real estate broker;
   · a real estate agent;
   · a law firm;
   · a credit repair organization;
   · a debt relief company;
   · a financial advisor;
   · a government agency;
   · a FAIR Plan;
   · a state residual market facility;
   · a loan servicer;
   · a consumer reporting agency.
   Roof Exclusion does not:
   · underwrite insurance;
   · issue insurance policies;
   · bind insurance coverage;
   · service insurance policies;
   · administer insurance policies;
   · adjust insurance claims;
   · approve or deny claims;
   · inspect roofs;
   · repair roofs;
   · replace roofs;
   · certify roof condition;
   · guarantee insurance eligibility;
   · guarantee policy issuance;
   · guarantee policy renewal;
   · guarantee removal of a roof exclusion;
   · guarantee avoidance of a FAIR Plan;
   · guarantee approval by any insurance carrier, agent, agency, broker, wholesaler, contractor, lender, or service provider;
   · provide legal advice;
   · provide tax advice;
   · provide financial advice;
   · guarantee premium savings;
   · guarantee lower insurance costs.
   Any quote, premium estimate, insurance indication, policy term, coverage description, eligibility statement, roof-related underwriting statement, approval, denial, nonrenewal, cancellation, endorsement, exclusion, or service offer is provided solely by the applicable third-party provider.

2. Purpose of the Website
   Roof Exclusion is designed to help consumers who may be dealing with difficult homeowners insurance situations caused by an older roof, roof age, roof condition, roof exclusions, underwriting restrictions, policy nonrenewals, policy cancellations, high-risk property characteristics, or limited insurance availability.
   These services may include, where available:
   · licensed homeowners insurance agents;
   · licensed insurance agencies;
   · insurance brokers;
   · insurance wholesalers;
   · managing general agencies;
   · insurance carriers;
   · surplus lines professionals;
   · FAIR Plan or residual market specialists;
   · high-risk homeowners insurance specialists;
   · roof-related underwriting resources;
   · property risk resources;
   · home inspection resources;
   · roofing or contractor-related resources;
   · mortgage or lender-related insurance resources;
   · other homeowners insurance or home-risk-related service providers.
   Roof Exclusion may help users learn about potential options, request contact, submit inquiries, or connect with third parties.
   Roof Exclusion does not guarantee that using the website will result in insurance coverage, policy placement, lower premiums, broader coverage, removal of a roof exclusion, avoidance of a FAIR Plan, approval by a private insurance carrier, or any specific financial or insurance outcome.

3. No Government, FAIR Plan, Carrier, Agent, Broker, Contractor, or Lender Affiliation
   Roof Exclusion is not owned by, operated by, endorsed by, sponsored by, or affiliated with any government agency, state insurance department, FAIR Plan, residual market facility, insurance carrier, insurance agency, insurance broker, mortgage company, lender, roofing contractor, home inspector, real estate company, or public program unless expressly stated in writing.
   Any references to FAIR Plans, state residual market programs, insurance carriers, insurance agencies, roof-related underwriting issues, mortgage companies, contractors, property services, or public programs are for informational or referral purposes only.

4. No Professional Advice
   The content on this website is provided for general informational and educational purposes only.
   Nothing on the website constitutes:
   · insurance advice;
   · legal advice;
   · tax advice;
   · financial advice;
   · investment advice;
   · credit advice;
   · underwriting advice;
   · claims advice;
   · appraisal advice;
   · roof inspection advice;
   · construction advice;
   · contractor advice;
   · engineering advice;
   · risk-management advice;
   · professional consulting services.
   You should consult directly with licensed and qualified professionals regarding your individual situation, including a licensed insurance professional, attorney, CPA, financial advisor, roofer, contractor, home inspector, engineer, mortgage professional, or other appropriate advisor.
   Website content may not reflect the most current laws, insurance rules, carrier guidelines, underwriting standards, claim practices, roof requirements, state requirements, market conditions, or service-provider availability.

5. No Professional Relationship Created
   Your use of this website does not create:
   · an insurer-insured relationship;
   · an insurance agent-client relationship;
   · an insurance broker-client relationship;
   · a fiduciary relationship;
   · an attorney-client relationship;
   · a contractor-customer relationship;
   · a roofer-customer relationship;
   · an inspector-client relationship;
   · a lender-borrower relationship;
   · a mortgage broker-client relationship;
   · a real estate broker-client relationship;
   · a financial-advisor relationship;
   · any special or professional advisory relationship.
   Submitting information through the website is only a request for information, education, referral, or contact.
   Any professional relationship, if one is formed, is solely between you and the third-party provider you choose to work with.

6. Insurance Referral and Compensation Disclosure
   Roof Exclusion may receive compensation for advertising, marketing, lead generation, technology, referral, or other services, where permitted by law.
   Roof Exclusion does not knowingly accept or pay prohibited compensation in connection with insurance, mortgage, real estate, contractor, or other regulated services.
   Nothing on this website requires you to use any particular insurance agent, agency, broker, wholesaler, carrier, contractor, roofer, inspector, lender, mortgage company, real estate professional, or other service provider.
   You are free to shop for and choose your own providers.
   Using Roof Exclusion does not obligate you to purchase, finance, refinance, insure, repair, replace, inspect, or otherwise obtain services through any referred provider.
   Any compensation paid to Roof Exclusion is intended to be for legally permissible marketing, advertising, technology, lead-generation, referral, or other services, and not for prohibited fees or unlawful arrangements.
   If an affiliated business relationship or other disclosure is required by law, the applicable party should provide the required disclosure.

7. No Required Use
   You are not required to use any provider introduced, listed, advertised, recommended, contacted, or referred through Roof Exclusion.
   You may obtain services from any provider of your choice.
   You should compare providers, costs, services, licensing, qualifications, terms, fees, insurance coverage, policy forms, exclusions, deductibles, reviews, and professional advice before making any decision.

8. No Guarantee of Coverage, Savings, FAIR Plan Alternative, Roof Acceptance, or Results
   Roof Exclusion does not guarantee that you will:
   · qualify for homeowners insurance;
   · receive an insurance quote;
   · receive multiple insurance quotes;
   · receive a policy offer;
   · obtain private-market insurance;
   · avoid a FAIR Plan;
   · avoid a residual market program;
   · qualify for a FAIR Plan alternative;
   · remove or avoid a roof exclusion;
   · avoid a policy nonrenewal;
   · avoid a policy cancellation;
   · obtain coverage before a deadline;
   · satisfy a mortgage company’s insurance requirements;
   · obtain lower premiums;
   · obtain better coverage;
   · obtain broader coverage;
   · obtain replacement cost coverage;
   · obtain coverage for wind, hail, fire, wildfire, water, roof damage, or any other specific peril;
   · obtain claim approval;
   · receive services from any particular provider;
   · avoid roof repair or roof replacement;
   · obtain acceptance of an older roof by any insurance carrier.
   Any savings estimate, comparison, quote, premium range, eligibility statement, or cost estimate is for informational purposes only and is not a guarantee.
   Actual results vary based on many factors, including your state, location, property type, roof age, roof type, roof condition, claims history, prior coverage history, wildfire exposure, wind or hail exposure, coastal exposure, brush or vegetation exposure, home age, occupancy, credit-based insurance score where permitted, carrier guidelines, underwriting requirements, state law, provider availability, insurance market conditions, and mortgage company requirements.

9. Insurance and Underwriting Disclosures
   Roof Exclusion does not make underwriting decisions and does not approve or deny insurance applications.
   Roof Exclusion does not inspect roofs or certify roof condition.
   Roof Exclusion does not provide binding coverage opinions.
   Any insurance-related quote, premium, deductible, limit, coverage description, endorsement, exclusion, underwriting statement, roof requirement, eligibility statement, policy condition, or policy estimate is not binding unless provided directly by a licensed insurance carrier or authorized licensed insurance professional in accordance with applicable law.
   Insurance premiums, availability, eligibility, policy terms, exclusions, deductibles, and conditions may change without notice and may depend on underwriting factors, property condition, roof condition, prior losses, catastrophe exposure, carrier appetite, state law, and market conditions.
   No insurance coverage exists unless and until confirmed in writing by an authorized insurance carrier or licensed insurance professional and all required conditions are satisfied.

10. Roof, Contractor, Inspection, and Property Disclosures
    Roof Exclusion does not inspect, repair, replace, certify, evaluate, or warrant any roof or property.
    Roof Exclusion does not determine whether a roof meets any insurance carrier’s underwriting requirements.
    Roof Exclusion does not determine whether roof repair, roof replacement, roof certification, inspection, or maintenance is required.
    Any roof inspection, roof certification, roof repair estimate, contractor recommendation, property condition statement, or related service is provided solely by the applicable third-party provider.
    You should review all contractor agreements, inspection reports, insurance documents, policy forms, exclusions, endorsements, roof certifications, warranties, and related documents carefully with qualified professionals before signing or relying on them.

11. FAIR Plan and Residual Market Disclosure
    Roof Exclusion may provide educational information about FAIR Plans, state residual market programs, high-risk homeowners insurance, and possible private-market alternatives.
    Roof Exclusion is not a FAIR Plan, state residual market facility, state insurance department, government agency, or public program.
    Roof Exclusion cannot guarantee that you will qualify for a FAIR Plan, avoid a FAIR Plan, obtain a FAIR Plan alternative, obtain lower premiums, or receive coverage that is acceptable to a mortgage company.
    FAIR Plan eligibility, residual market eligibility, private-market availability, policy terms, coverage limits, exclusions, and premiums are determined by the applicable program, carrier, insurance professional, or governing authority.

12. User Eligibility
    By using this website, you represent and warrant that:
    · you are at least 18 years old;
    · you are located in the United States;
    · you have legal authority to use the website;
    · you have authority to submit information about the property, insurance matter, inquiry, or person involved;
    · all information you submit is true, accurate, current, and complete to the best of your knowledge;
    · your use of the website does not violate any law, regulation, agreement, or third-party right.
    You may not use this website on behalf of another person without proper authorization.

13. Accuracy of Information Submitted
    You are responsible for the accuracy of all information you submit, including but not limited to:
    · name;
    · email address;
    · phone number;
    · mailing address;
    · property address;
    · roof age;
    · roof type;
    · roof condition;
    · roof replacement information;
    · roof repair information;
    · roof inspection information;
    · property age;
    · property type;
    · occupancy status;
    · current insurance carrier;
    · prior insurance carrier;
    · policy expiration date;
    · nonrenewal information;
    · cancellation information;
    · roof exclusion information;
    · FAIR Plan status;
    · mortgage or lender requirements;
    · claims history;
    · coverage needs;
    · desired effective date;
    · any other information relevant to your inquiry.
    False, inaccurate, incomplete, or misleading information may result in inaccurate estimates, declined services, delayed placement, denied applications, changed pricing, canceled offers, claim issues, policy cancellation, policy rescission, or other adverse outcomes.
    Roof Exclusion is not responsible for consequences arising from inaccurate or incomplete information submitted by you.

14. Referrals to Third Parties
    By submitting information through the website, you authorize Roof Exclusion to share your information with third-party providers who may be able to assist with your inquiry.
    These third parties may include:
    · licensed insurance agents;
    · licensed insurance agencies;
    · insurance brokers;
    · insurance wholesalers;
    · managing general agencies;
    · insurance carriers;
    · surplus lines professionals;
    · FAIR Plan or residual market specialists;
    · high-risk homeowners insurance specialists;
    · homeowners insurance service providers;
    · roofing contractors;
    · general contractors;
    · home inspectors;
    · property risk professionals;
    · mortgage or lender-related insurance resources;
    · call centers;
    · technology providers;
    · referral partners;
    · lead buyers;
    · lead sellers;
    · customer service providers;
    · marketing partners;
    · other insurance, roof, property, home-risk, or related providers.
    We do not control the actions, services, pricing, advice, licensing, underwriting decisions, claims decisions, coverage decisions, roof decisions, contractor decisions, privacy practices, communications, representations, or performance of third parties.
    Any relationship entered into with a third party is solely between you and that third party.

15. Consent to Contact
    By submitting your contact information through this website, you consent to be contacted by Roof Exclusion and by third-party providers that may be able to assist with your inquiry.
    Communications may include:
    · phone calls;
    · text messages;
    · emails;
    · prerecorded messages where permitted;
    · artificial voice messages where permitted;
    · automated communications where permitted;
    · live agent calls;
    · follow-up reminders;
    · quote-related communications;
    · insurance-related communications;
    · roof-related communications;
    · FAIR Plan or high-risk homeowners insurance communications;
    · marketing communications related to homeowners insurance, high-risk home insurance, roof-related underwriting issues, property risk, roofing, contractor, inspection, mortgage, or related services.
    Your consent is not a condition of purchasing any product or service.
    You may opt out of marketing communications at any time.

16. TCPA, SMS, and Mobile Communications Consent
    By providing your telephone number and submitting a form, clicking a button, checking a consent box, or otherwise requesting contact, you represent that you are the subscriber, owner, or customary user of the telephone number provided.
    To the extent permitted by law, you authorize Roof Exclusion, its service providers, and related third-party partners to contact you at the number provided regarding your inquiry and related services.
    These communications may be made using automated dialing technology, prerecorded messages, artificial voice messages, SMS/text messages, or similar technologies where permitted by applicable law.
    Message frequency may vary.
    Message and data rates may apply.
    Carriers are not liable for delayed or undelivered messages.
    You may opt out of SMS/text messages by replying STOP.
    You may request help by replying HELP or by contacting us at info@roofexclusion.com or 888-795-6550.
    We will honor opt-out and consent-revocation requests as required by law.

17. Email Communications
    By submitting your email address, you consent to receive emails from Roof Exclusion and related third-party partners regarding your inquiry, educational content, homeowners insurance, high-risk home insurance, roof-related underwriting issues, FAIR Plan alternatives, property-risk services, and marketing communications.
    You may unsubscribe from marketing emails by using the unsubscribe link provided in the email or by contacting us at info@roofexclusion.com.
    Transactional or service-related emails may still be sent where permitted by law.
    Commercial email must comply with applicable legal requirements, including accurate sender information, a valid physical postal address, and a clear opt-out mechanism.

18. Consent Records
    You agree that we may create, retain, and share records of your consent and website interaction for compliance, verification, fraud prevention, and business purposes.
    Such records may include:
    · name;
    · phone number;
    · email address;
    · IP address;
    · device information;
    · browser information;
    · timestamp;
    · referring URL;
    · landing page;
    · form fields submitted;
    · consent language displayed;
    · checkbox status;
    · call recordings where permitted;
    · text-message logs;
    · email engagement data;
    · lead source;
    · routing history;
    · assigned provider history.

19. Call Recording and Monitoring
    Calls with Roof Exclusion, its service providers, or referred third-party providers may be recorded or monitored for quality assurance, training, compliance, documentation, fraud prevention, or dispute resolution where permitted by law.
    By continuing a call after receiving notice of recording, you consent to such recording where consent is required.

20. Electronic Communications and Records
    You consent to receive communications, notices, disclosures, agreements, and records electronically.
    Electronic communications may be provided by:
    · website posting;
    · email;
    · SMS/text message;
    · phone communication;
    · electronic document delivery;
    · other digital methods.
    You agree that electronic communications satisfy any legal requirement that such communications be in writing.
    You may withdraw consent to electronic communications by contacting us, but doing so may limit our ability to respond to your inquiry or provide services.

21. Permitted Use
    You may use this website only for lawful personal or business purposes related to requesting information about homeowners insurance, high-risk home insurance, old-roof insurance challenges, roof exclusions, FAIR Plan alternatives, roof-related underwriting issues, property risk, or related services.
    You agree not to:
    · submit false or misleading information;
    · impersonate another person;
    · submit information without authorization;
    · use the website for fraud;
    · interfere with website security;
    · attempt unauthorized access;
    · scrape, crawl, harvest, or copy website content without permission;
    · reverse engineer website technology;
    · transmit malware or harmful code;
    · use the website to violate any law;
    · abuse forms, phone numbers, chat tools, or communication systems;
    · submit spam or automated requests;
    · use the website for competitive intelligence or unauthorized commercial purposes.
    We may restrict, suspend, or block access to the website at any time.

22. Intellectual Property
    All content on this website, including text, graphics, logos, icons, page design, layout, software, images, videos, trademarks, service marks, and other materials, is owned by Roof Exclusion or licensed to Roof Exclusion.
    You may not copy, reproduce, modify, distribute, display, publish, sell, license, create derivative works from, or exploit website content without prior written permission.
    Limited personal, non-commercial use is permitted solely for reviewing information on the website.

23. Third-Party Websites and Services
    The website may contain links to third-party websites, platforms, tools, advertisements, or services.
    We do not control third-party websites or services.
    We are not responsible for:
    · third-party content;
    · third-party privacy practices;
    · third-party security;
    · third-party communications;
    · third-party products;
    · third-party pricing;
    · third-party advice;
    · third-party insurance decisions;
    · third-party underwriting decisions;
    · third-party claim decisions;
    · third-party roof evaluations;
    · third-party contractor services;
    · third-party inspection services;
    · third-party mortgage or lender decisions;
    · third-party service performance;
    · third-party conduct.
    Your use of third-party websites or services is at your own risk and subject to the third party’s own terms and privacy policies.

24. Advertising and Marketing Disclosures
    Roof Exclusion may advertise through search engines, social media platforms, display networks, affiliates, referral partners, or other marketing channels.
    We do not authorize misleading advertisements, false government-affiliation claims, false FAIR Plan-affiliation claims, false carrier-affiliation claims, false insurance approval claims, false roof acceptance claims, fake urgency, fake savings, fake credits, fake discounts, or misleading claims about guaranteed homeowners insurance availability.
    Any advertisement, estimate, comparison, or website content should be read together with these Terms.

25. AI, Chatbots, Automation, and Website Tools
    The website may use automated tools, artificial intelligence, chatbots, calculators, lead-routing systems, call-routing systems, analytics tools, or other automated technologies.
    Such tools may help collect information, answer basic questions, route inquiries, or assist with customer support.
    AI-generated or automated responses may be incomplete, outdated, or inaccurate.
    Do not rely on AI, chatbot, calculator, or automated website responses as insurance advice, legal advice, underwriting advice, roof inspection advice, contractor advice, coverage confirmation, premium confirmation, approval, or binding service quote.

26. Privacy
    Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, disclose, sell, share, protect, and retain personal information.
    By using the website, you acknowledge that you have reviewed the Privacy Policy.

27. Availability and Website Changes
    We may modify, suspend, discontinue, restrict, or remove any part of the website at any time without notice.
    We do not guarantee that the website will be available, secure, uninterrupted, error-free, or free of harmful components.
    We may update website content at any time, but we are not obligated to update any particular information.

28. Disclaimer of Warranties
    TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE, CONTENT, TOOLS, CALCULATORS, FORMS, COMMUNICATIONS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND.
    ROOF EXCLUSION DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
    · WARRANTIES OF MERCHANTABILITY;
    · FITNESS FOR A PARTICULAR PURPOSE;
    · TITLE;
    · NON-INFRINGEMENT;
    · ACCURACY;
    · COMPLETENESS;
    · RELIABILITY;
    · SECURITY;
    · AVAILABILITY;
    · ERROR-FREE OPERATION;
    · RESULTS;
    · INSURANCE APPROVAL;
    · COVERAGE AVAILABILITY;
    · PREMIUM SAVINGS;
    · FAIR PLAN ALTERNATIVES;
    · ROOF ACCEPTANCE;
    · ROOF EXCLUSION REMOVAL;
    · POLICY RENEWAL;
    · CLAIM APPROVAL;
    · CONTRACTOR PERFORMANCE;
    · PROPERTY CONDITION;
    · TRANSACTION COMPLETION.

29. Limitation of Liability
    TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROOF EXCLUSION, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, SERVICE PROVIDERS, LICENSORS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES.
    This limitation applies to damages arising from or related to:
    · use of the website;
    · inability to use the website;
    · website errors;
    · reliance on website content;
    · use of calculators or estimates;
    · information submitted through the website;
    · referrals to third parties;
    · third-party communications;
    · third-party advice;
    · insurance quotes;
    · insurance approvals or denials;
    · underwriting decisions;
    · coverage decisions;
    · policy cancellations;
    · policy nonrenewals;
    · roof exclusions;
    · FAIR Plan placement;
    · lack of FAIR Plan alternatives;
    · premium changes;
    · coverage gaps;
    · claim denials;
    · roof issues;
    · contractor issues;
    · inspection issues;
    · mortgage or lender issues;
    · missed deadlines;
    · data loss;
    · unauthorized access;
    · marketing communications;
    · call or text communications;
    · delays in communication.
    To the maximum extent permitted by law, Roof Exclusion’s total liability for any claim shall not exceed the greater of:
    (a) the amount you paid directly to Roof Exclusion for use of the website, if any; or
    (b) one hundred dollars ($100).
    Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

30. Indemnification
    You agree to defend, indemnify, and hold harmless Roof Exclusion, its owners, officers, directors, employees, contractors, affiliates, service providers, licensors, and partners from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:
    · your use of the website;
    · your violation of these Terms;
    · your violation of applicable law;
    · your submission of false, inaccurate, incomplete, or unauthorized information;
    · your violation of another person’s rights;
    · your misuse of website content;
    · your communications with third parties;
    · any dispute between you and a referred third party.

31. Binding Arbitration Agreement
    PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
    Except for disputes that qualify for small claims court or claims seeking emergency injunctive relief for intellectual property, data security, or unauthorized website access, you and Roof Exclusion agree that any dispute, claim, or controversy arising out of or relating to these Terms, the website, communications, referrals, advertising, marketing, privacy practices, or services shall be resolved by binding individual arbitration.
    This arbitration agreement is governed by the Federal Arbitration Act.
    The arbitration shall be administered by the American Arbitration Association or another mutually agreed arbitration provider under applicable consumer arbitration rules.
    The arbitration may be conducted by telephone, video conference, written submissions, or in person in Tennessee, unless another location is required by applicable law.
    The arbitrator shall have authority to award any relief available in an individual court action, subject to these Terms.

32. Class Action Waiver
    To the maximum extent permitted by law, you and Roof Exclusion agree that any dispute shall be brought only on an individual basis.
    You and Roof Exclusion waive the right to bring or participate in any:
    · class action;
    · collective action;
    · representative action;
    · private attorney general action;
    · consolidated action;
    · mass action;
    · jury trial.
    The arbitrator may not consolidate claims or preside over any form of class, collective, representative, or mass proceeding unless both parties agree in writing.
    If this class action waiver is found unenforceable as to a particular claim, that claim shall proceed in court and not in arbitration, unless otherwise required by law.

33. Arbitration Opt-Out
    You may opt out of the arbitration agreement by sending written notice within thirty (30) days of first accepting these Terms.
    Your opt-out notice must include:
    · your full name;
    · your mailing address;
    · your email address;
    · your phone number;
    · a statement that you opt out of arbitration with Roof Exclusion.
    Send the notice to:
    Roof Exclusion
    2020 Fieldstone Pkwy Ste 900-356
    Franklin, TN 37069
    Or email:
    info@roofexclusion.com
    Opting out of arbitration does not affect any other part of these Terms.

34. Jury Trial Waiver
    To the maximum extent permitted by law, if any dispute proceeds in court rather than arbitration, you and Roof Exclusion knowingly and voluntarily waive the right to a trial by jury.

35. Governing Law
    These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs the arbitration agreement.

36. Venue
    For any dispute not subject to arbitration, you agree to the exclusive jurisdiction and venue of the state or federal courts located in Tennessee, unless applicable law requires otherwise.

37. Time Limitation on Claims
    To the maximum extent permitted by law, any claim arising out of or relating to the website, these Terms, communications, referrals, advertising, privacy practices, or services must be filed within one (1) year after the claim arose.
    Any claim not filed within that period is permanently barred.
    This provision does not apply where prohibited by law.

38. Severability
    If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.
    The invalid provision shall be modified to the minimum extent necessary to make it enforceable, unless modification is not permitted by law.

39. No Waiver
    Our failure to enforce any provision of these Terms does not waive our right to enforce that provision or any other provision later.

40. Assignment
    You may not assign or transfer your rights or obligations under these Terms without our prior written consent.
    We may assign or transfer these Terms in connection with a merger, acquisition, sale of assets, reorganization, change of control, business transfer, or operation of law.

41. Changes to These Terms
    We may update these Terms at any time.
    Updated Terms will be posted on this website with a revised effective date.
    Your continued use of the website after updated Terms are posted means you accept the updated Terms.

42. Contact Information
    RoofExclusion.com
    Email: info@roofexclusion.com
    Phone: 888-869-0008
    Mailing Address:
    2020 Fieldstone Pkwy Ste 900-356
    Franklin, TN 37069