These Terms of Service (“Terms”) govern your access to and use of ultimateclaimsllc.com and any content, forms, or materials made available through it (the “Site”), operated by Ultimate Claims LLC, an Illinois limited liability company (“Ultimate Claims,” “we,” or “us”).
By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. What we do
Ultimate Claims provides construction estimating and documentation services exclusively to contractors. Our work consists of reviewing construction scope, quantities, pricing, and code requirements, and preparing estimating and documentation materials on behalf of a contractor.
Ultimate Claims does not represent policyholders. We do not interpret insurance coverage, render coverage determinations, provide legal advice, or act as a public adjuster. Coverage determinations, policy interpretation, and settlement of claims remain with the insured, the carrier, or an appropriately licensed representative.
Where we communicate with a carrier, we do so only where permitted by applicable law and where authorized by the contractor, and only with respect to construction scope, quantities, pricing, code requirements, and supporting documentation.
The availability of our services, the services we are permitted to perform, and the fee arrangements we are permitted to enter into vary by jurisdiction.
2. No professional relationship is created by this Site
Nothing on this Site creates a professional, contractual, agency, or fiduciary relationship between you and Ultimate Claims. Submitting an application or inquiry, or receiving a response from us, does not create such a relationship and does not obligate either party to proceed.
A relationship is established only when Ultimate Claims and a contractor execute a written service agreement.
3. The service agreement controls
The Site is promotional and informational. Statements on the Site describing our process, turnaround, deliverables, or fees are general descriptions, not offers, guarantees, or contractual terms.
Where anything on this Site conflicts with a signed written service agreement between Ultimate Claims and a contractor, the service agreement controls in all respects. Scope, deliverables, fee, and the terms on which we may act are established in that agreement and confirmed in writing before work begins.
4. Applications
Ultimate Claims maintains a limited roster and reviews each application individually. We may accept or decline any application, and may decline or discontinue work on any file, at our discretion and without stating a reason.
You agree that information you submit through the Site is accurate and that you are authorized to submit it. You are responsible for having the authority necessary to provide us with any project materials containing information about third parties, including property owners and insureds.
5. Results, examples, and case information
The Site displays information from completed contractor files, including original carrier estimate amounts and final approved amounts, together with supporting document images.
These are historical examples. Past results do not guarantee or predict similar outcomes. Outcomes on any given file depend on project conditions, the quality and completeness of documentation, carrier review, policy terms, and applicable law, all of which vary. Nothing on this Site should be read as a representation that any particular result will be achieved on your file.
6. Turnaround statements
Our stated standard is completion of the supplement package within 48 hours of receipt of a complete file. Whether a file is complete is determined by the materials actually received. Carrier response times are outside our control and are not part of that standard.
7. Fees
For eligible projects, our fee is based on additional contractor scope approved after our documentation is submitted. Fee structure, eligibility, and availability vary by jurisdiction and are confirmed in a written agreement before work begins. Fee information appearing on the Site is descriptive only and does not constitute an offer.
8. Intellectual property
The Site and its contents, including text, layout, design, graphics, document images, and the Ultimate Claims name and marks, are owned by Ultimate Claims or its licensors and are protected by applicable intellectual property laws.
You may view and print pages of the Site for your own internal business use. You may not reproduce, republish, distribute, sell, or create derivative works from Site content, or use it to train or develop any automated system or model, without our prior written permission.
Work product prepared for a contractor is governed by the applicable service agreement.
9. Acceptable use
You agree not to use the Site to submit false or misleading information, to submit material you are not authorized to share, to interfere with the operation or security of the Site, to access it by automated means other than standard search engine indexing, or to use it for any unlawful purpose.
10. Third-party links and services
The Site may link to or rely on third-party websites and services. We do not control them and are not responsible for their content, availability, or practices. Your use of a third-party service is governed by that party's terms.
11. Disclaimer of warranties
The Site and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Ultimate Claims disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Site will be uninterrupted, error free, or that its content is accurate, complete, or current.
Content on the Site is general information about construction estimating and documentation practice. It is not legal, insurance, or professional advice, and it should not be relied upon as a substitute for advice from a qualified professional regarding your specific circumstances.
12. Limitation of liability
To the fullest extent permitted by law, Ultimate Claims and its members, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost business, or lost data, arising out of or relating to your use of the Site, whether based in contract, tort, or any other theory, even if advised of the possibility of such damages.
To the fullest extent permitted by law, our total aggregate liability arising out of or relating to the Site will not exceed one hundred dollars (USD $100). Liability arising out of services performed under a written service agreement is governed by that agreement.
13. Indemnification
You agree to indemnify and hold harmless Ultimate Claims and its members, officers, employees, and agents from any claim, demand, loss, liability, or expense, including reasonable attorneys' fees, arising out of your use of the Site, your breach of these Terms, or your submission of information or materials you were not authorized to provide.
14. Governing law
These Terms are governed by the laws of the State of Illinois, without regard to its conflict of laws principles. You agree that any action arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in the State of Illinois, and you consent to the jurisdiction of those courts.
15. Changes to these Terms
We may revise these Terms at any time. The effective date at the top of this page indicates when they were last revised. Your continued use of the Site after a revision constitutes acceptance of the revised Terms.
16. Severability and entire agreement
If any provision of these Terms is held unenforceable, that provision will be limited or severed to the minimum extent necessary and the remaining provisions will remain in full force. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ultimate Claims regarding use of the Site. They do not modify any written service agreement.
17. Contact
Questions about these Terms may be directed to:
Ultimate Claims LLC
Wheeling, Illinois
ultimateclaimsllc@gmail.com
(312) 857-4653