Terms of Service

Effective Date: March 17, 2026

Last Updated: March 17, 2026

Welcome to HCA Claims ("HCA," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website located at www.hca.claims and any related pages, forms, content, and communications made available through the site (collectively, the "Website").

By accessing or using this Website, you agree to these Terms. If you do not agree to these Terms, do not use the Website.

1. Company Information

HCA Claims provides insurance claim-related services, including public adjusting services where licensed and insurance appraisal-related services where permitted by law.

References on this Website to services, availability, or assistance do not constitute an offer to provide services in any jurisdiction where such services are not authorized or where licensing or registration requirements have not been satisfied.

2. No Legal Advice

The information on this Website is provided for general informational and educational purposes only. Nothing on this Website is intended to be, and should not be construed as, legal advice.

We are not attorneys and do not provide legal advice. You should consult qualified legal counsel for legal questions or advice regarding your rights, obligations, or disputes.

3. No Professional Relationship Created by Website Use

Your use of this Website, including submitting a contact form, requesting a consultation, sending an email, or communicating with us through the Website, does not create a client relationship, representative relationship, fiduciary relationship, or any other professional engagement with HCA.

No representation or service relationship is formed unless and until a separate written agreement is executed by the appropriate parties and accepted by HCA.

4. Scope of Services

HCA may offer services including, but not limited to:

• Public adjusting services for insurance claims, where licensed and permitted by law
• Insurance appraisal services, where permitted by law
• Educational information regarding insurance claim documentation, process, and communication

Any service engagement is subject to separate written terms, jurisdiction-specific requirements, and review by HCA for fit, availability, and compliance.

5. Licensing and Jurisdiction

HCA provides services only where properly licensed, authorized, or otherwise permitted by applicable law.

Not all services are available in all states or jurisdictions. The Website may reference service areas or claim types for general marketing purposes, but actual service availability depends on licensing, legal requirements, and the facts of each matter.

You are responsible for confirming that you are located in a jurisdiction where the requested services may lawfully be offered.

6. Informational Content Only

Website content may include articles, guides, FAQs, examples, process descriptions, service summaries, and other educational materials. This content is general in nature and may not apply to your specific facts, policy language, deadlines, or claim circumstances.

You should not rely solely on Website content when making decisions about insurance claims, legal rights, deadlines, repairs, contracts, or litigation.

7. No Guarantee of Outcome

HCA does not guarantee any particular result, recovery amount, coverage determination, timeline, settlement outcome, appraisal result, or claim payment.

Past results, examples, case descriptions, testimonials, or success stories, if any, are not guarantees of future outcomes. Every matter is different and depends on its own facts, documents, policy language, parties, and legal requirements.

8. User Responsibilities

By using the Website, you agree that:

• You will provide accurate and truthful information
• You will not submit false, misleading, incomplete, or fraudulent information
• You will not impersonate another person or entity
• You will use the Website only for lawful purposes
• You will not interfere with the operation, security, or integrity of the Website

9. Prohibited Uses

You may not use the Website:

• In violation of any applicable law, regulation, or third-party right
• To transmit unlawful, defamatory, infringing, abusive, or fraudulent material
• To attempt unauthorized access to any portion of the Website, server, or connected systems
• To introduce malware, malicious code, bots, scraping tools, or harmful technologies
• To copy, reproduce, republish, or exploit Website content for commercial purposes without written permission

10. Intellectual Property

All Website content, including text, graphics, logos, branding, layouts, design elements, photographs, videos, downloadable materials, and other content, is owned by or licensed to HCA and is protected by applicable intellectual property laws.

You may view and use Website content only for personal, non-commercial, informational use. No right, title, or interest in any content is transferred to you by your use of the Website.

11. Third-Party Links and Services

The Website may contain links to third-party websites, software, forms, scheduling tools, intake tools, payment processors, CRM systems, document platforms, social media sites, or other external services.

We do not control and are not responsible for the content, availability, privacy practices, security, or performance of any third-party service. Your use of third-party services is at your own risk and subject to the terms and policies of those providers.

12. Communications

By submitting your contact information through the Website, you consent to receive communications from HCA relating to your inquiry, including by phone, email, or other methods you provide, subject to applicable law and our Privacy Policy.

Submitting information through the Website does not obligate HCA to accept your matter or provide services.

13. Privacy

Your use of the Website is also subject to our Privacy Policy, which is incorporated into these Terms by reference. If there is a conflict between these Terms and the Privacy Policy regarding privacy-related matters, the Privacy Policy will control as to those matters.

14. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT MADE AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HCA DISCLAIMS ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND AVAILABILITY.

WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HCA AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, AND REPRESENTATIVES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR ANY CONTENT ON THE WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HCA'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE WEBSITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100.00).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

16. Indemnification

You agree to defend, indemnify, and hold harmless HCA and its owners, officers, directors, employees, contractors, agents, affiliates, and representatives from and against any claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:

• Your use of the Website
• Your violation of these Terms
• Your violation of any law or third-party right
• Any false, misleading, or incomplete information submitted by you

17. No Waiver

Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or any other provision.

18. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

19. Governing Law and Venue

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Website shall be brought exclusively in the state or federal courts located in Texas, unless applicable law requires otherwise, and you consent to the jurisdiction and venue of those courts.

20. Changes to These Terms

We may update or modify these Terms at any time in our sole discretion. Any changes will become effective when posted on this page, unless a different effective date is stated.

Your continued use of the Website after updated Terms are posted constitutes your acceptance of the revised Terms.

21. Contact Information

If you have questions about these Terms, you may contact us at:

22. Important Website Notice

Website use, form submission, email submission, and other communications through this Website do not create representation. Representation or service engagement occurs only after a separate written agreement is executed and accepted by HCA.

We are not attorneys and do not provide legal advice.