Terms of Service

The deal between you and us, in plain English. Using ClaimsGap means you agree to what follows. Section 3 is the one that matters most — it says what this tool is not.

ClaimsGap is operated by Blue Tide Exteriors LLC, 1780 E. Bert Kouns Industrial Loop, Suite 907, Shreveport, LA 71105, United States.

1. Current status of the service

2. Your account

You need an account to use ClaimsGap. You are responsible for keeping your login details secure and for everything that happens under your account. Tell us promptly if you think someone else has access to it.

You must be at least 18 and legally able to enter a contract. If you sign up on behalf of a business, you confirm you are authorised to bind that business to these terms.

ClaimsGap is a tool for contractors and restoration businesses managing their own claim files. It is not sold to consumers as a way to handle their own claim.

3. What ClaimsGap is not

Concretely, and without hedging:

• We do not adjust claims. Nothing in the app is an adjustment, an appraisal, an umpire opinion, or a valuation of a loss.
• We do not negotiate on your behalf and we are not a party to your claim, your contract with the homeowner, or the insurance policy.
• We do not guarantee any outcome. ClaimsGap cannot promise that a supplement will be approved, that a carrier will pay more, that a deadline will be enforced, or that any particular dollar amount will be recovered. Anyone who tells you software can promise that is selling you something.
• We do not give legal advice. Statutory citations, deadline calculations and gap findings are informational. They are a starting point for your own review, not a substitute for a licensed attorney or a licensed public adjuster in your state.

Public adjusting is a licensed activity in most states, and the licence belongs to you, not to us. Depending on where you work and what you do with the output, preparing, presenting or negotiating a claim on a homeowner’s behalf may require a public adjuster licence, or may be restricted to the homeowner and their licensed representatives. You are responsible for knowing the rules in your state and staying inside them. Using ClaimsGap does not give you any authority you did not already have.

The gap findings ClaimsGap produces are the output of a checklist compared against an estimate you supplied. They can be incomplete, they can be wrong for your specific loss, and they can flag items that do not apply. You are the professional. Review every finding before it goes to a carrier under your name.

4. Acceptable use

Use ClaimsGap to manage claims you are legitimately working. Do not use it to:

• Submit inflated, fabricated or duplicated scope to an insurer — insurance fraud is a crime, and a supplement request is a representation you are making.
• Enter claim, policy or property data for a homeowner who has not engaged you.
• Upload photographs of a property you have no right to photograph or document.
• Share a homeowner status link with anyone the homeowner would not expect to have it.
• Hold yourself out as an adjuster, a public adjuster or a legal representative when you are not licensed to.
• Breach Google’s terms, or the terms of any other connected service.
• Resell or white-label the service without a written agreement with us.
• Attempt to break, overload, scrape, reverse-engineer or gain unauthorised access to the service, or to reach another customer’s claims.

We may suspend or close an account that does these things, and we will cooperate with a lawful investigation into insurance fraud.

5. Your claim data, and whose it really is

You keep ownership of the claim files, notes and photographs you put into ClaimsGap. You grant us only the limited permission needed to run the service for you: to store that material, display it back to you, and render the homeowner status pages you choose to generate.

Much of what you enter is not actually about you. Property addresses, homeowner names and contact details, policy and claim numbers, and photographs of somebody’s damaged home are the homeowner’s personal information, held by you. By entering it you confirm that:

• you have a genuine business relationship with that homeowner, or their authorisation;
• you are permitted to hold and use that information for the claim; and
• you are permitted to share what you choose to share, with the people you choose to share it with.

We process that material on your behalf. Where privacy law treats you as the controller of it and us as your processor, that is the correct reading of this relationship.

6. Homeowner share links

You decide what goes on the page, and you decide who gets the link. We cannot recall a link, and we cannot control what a recipient does with it after that — forwarding it works exactly as well as receiving it did. Full detail on what the page contains, and what it deliberately leaves out, is in the Privacy Policy.

7. Connecting Gmail

Connecting Gmail is optional. If you connect it, you log in through Google’s own login window — your password is entered on their site, not ours, and we never see it. The access we request is read-only: ClaimsGap can read messages to match adjuster correspondence to the right claim file, and it cannot send email as you.

You can disconnect from inside the app at any time, which deletes the tokens we hold for you. To be thorough, also remove ClaimsGap from your Google account’s third-party app list — disconnecting in our app does not by itself clear the entry Google keeps on its side. Both steps are spelled out in the data deletion instructions.

Google runs Gmail, not us. They can change their API, restrict access or remove a feature at any time, and that can stop this part of the service working.

8. Deadlines and citations

ClaimsGap shows prompt-pay and claim-handling deadlines for the property’s state, with the statute or regulation it came from. We take that seriously — a citation in this app is a real citation, because it is meant to be quotable.

It is still informational. Statutes change, they are interpreted by courts, and how a deadline applies depends on facts the app does not know. Do not rely on a date in ClaimsGap as the last word on a legal deadline. Confirm anything that matters with your own counsel before you act on it, and never let a date in this app be the only thing standing between you and a missed filing.

9. Reading your estimate with AI

When you scan a carrier estimate, ClaimsGap sends an image of that page to an AI model so it can read the insured’s name, loss address, carrier, claim number, replacement-cost value and depreciation off it, instead of you retyping them. That image is a picture of an insurance document, and it contains whatever is printed on the page.

AI extraction can be wrong. It can misread a number, miss a line, or invent one. Everything it pulls out lands in an editable form for you to check before it becomes part of the claim file, and it is your job to check it. A transposed claim number or a misread RCV that goes to a carrier under your name is your representation, not ours.

Which provider receives the image, and what they do with it, is set out in the Privacy Policy. If you would rather not send an estimate through it, enter the claim by hand instead — scanning is a shortcut, never the only way in.

10. Subscriptions and billing

Once launched, plans are billed monthly in advance at the price shown when you subscribe. Unless we say otherwise:

• Subscriptions renew automatically each month until you cancel.
• You can cancel at any time; access continues to the end of the period you have paid for.
• Fees already paid are non-refundable except where the law requires otherwise.
• We will give at least 30 days’ notice by email before any price increase affecting you.
• Prices exclude any sales tax that applies where you are.
• Plans carry a monthly claim limit. If you are approaching it, we will tell you before you hit it rather than cutting you off mid-claim.

A lapsed or cancelled subscription stops new work. It does not delete the claims you have already built — see section 14 for what actually removes data.

11. Availability

We aim to keep the service running, but we do not promise it will be uninterrupted or error-free. We may carry out maintenance, and we may change or remove features. Where a change is significant, we will tell you.

Parts of ClaimsGap depend on services we do not run — Google for Gmail sync, our hosting and database providers for everything else. An outage or a change on their side can interrupt the service, and we cannot guarantee otherwise.

12. No guarantee of results

We make no promise about supplement approvals, recovered dollars, claim cycle times, margin, or any other business result. What you recover on a claim depends on your policy, your documentation, your carrier, your adjuster, your state and your own work.

The calculator on our website computes your own inputs. You choose the claim volume, the gap figure and the hours; it multiplies them. It is an arithmetic tool for numbers you supplied, not a forecast, not an average, and not a representation of what ClaimsGap will recover for you.

13. Limitation of liability

To the fullest extent the law allows, the service is provided “as is” without warranties of any kind, including any warranty that gap findings are complete or that deadline calculations are correct for your situation.

We are not liable for indirect or consequential loss, lost profits, lost business, an underpaid or denied claim, a missed deadline, or lost data. Our total liability in any 12-month period is limited to the amount you paid us in that period.

Nothing here excludes liability that cannot lawfully be excluded, including for fraud.

14. Ending the agreement

You can stop using the service and delete your account at any time — see the data deletion instructions. We can suspend or terminate an account that breaches these terms, or that we are legally required to close. If we terminate without cause, we will refund any unused prepaid period.

Claim files are business records, and you may need yours long after you stop paying us. Export anything you need before you delete your account — deletion is permanent.

15. Governing law

These terms are governed by the laws of the State of Louisiana, United States, without regard to its conflict-of-laws rules. Any dispute will be brought in the state or federal courts sitting in Caddo Parish, Louisiana, and both sides consent to that.

If you are a consumer somewhere that gives you the right to bring a claim locally, this section does not take that right away from you.

16. Changes to these terms

We may update these terms. The date at the top shows the current version. For material changes we will give notice by email before they take effect. Continuing to use the service after that means you accept the new terms.

17. Contact

hello@claimsgap.com  ·  privacy questions and deletion requests: privacy@claimsgap.com