Terms of Use

WWW.CLAIMFORWARD.COM IS A TEST SITE - THE SITE IS NOT AVAILABLE FOR CONSUMER USE. THE FOLLOWING "TERMS" ARE NOT APPLICABLE UNTIL THE SITE INITIATES BUSINESS OPERATIONS.

Applicable Terms

By using Claimforward.com, a service developed by Consumer Insurance Trust LLC, with an office located at 8331 241st St. E, Myakka City, Florida 34251, USA, you agree to the following terms, in addition to our Privacy Policy (“Claim Forward Privacy Policy”), all of which together are the “Terms”.

Herein we use the terms "We", "Claim Forward", or the "Company" to refer to each of these entities, as applicable. "Party" and/or "Parties" refers to site users and/or the "Company."

Service

Claim Forward acts as a portal to disseminate information filed by insurers regarding their business practices regulated by state governmental agencies and to facilitate service providers (“Providers”) to offer insurance and other products (“Products”) for sale to consumers who have opted to use our service (“Service”). The Service allows you to better understand the financial impact and policy renewal risk of filing a claim. Our Service is free for you to use. We receive licensing fees from Providers that sponsor the Service. Some Providers may be affiliated with ClaimForward.com and Consumer Insurance Trust LLC.  

The Service rendered by Claim Forward is only available to the residents of the United States, and Services and/or Providers may not be available in all states and/or languages.

You may not accept these Terms or use this Service if you are not of legal age to form a binding contract with Consumer Insurance Trust LLC. You must not access ClaimForward.com or accept these Terms if you are a person who is either barred or otherwise legally prohibited from receiving or using the Service under the laws of the state in which you reside or from which you access or use ClaimForward.com. Your use of the Site is based on your own initiative and are responsible for compliance with any applicable laws.

Claim Forward / Consumer Insurance Trust LLC is not an insurer or an insurance agency. Any Products offered to you are provided to you by the Provider listed, and not Claim Forward / Consumer Insurance Trust LLC. The terms and conditions of any Product offered to you are provided by the Providers based on their underwriting and customer management criteria and may vary based on a number of factors solely as determined by the Providers. Providing your contact information and consent does not establish a client relationship with the advertised Provider. Actual availability and pricing are determined by the Providers after they complete further assessment. Claim Forward is not involved with and is not responsible for any fee arrangement that you may enter into with any Provider. Further, you release Claim Forward of any and all liability for losses, costs, damages, or claims in conjunction with, arising from or related to your use of a Provider’s Products or services, including any fees charged by the Provider.

Because We are not fully aware of your insurance needs, your insurance policy coverage/limitations, your financial status and/or your claim circumstances, any information we provide should be considered general in nature and any resulting decisions need to be based on your sole discretion. Only a licensed public adjuster and/or insurance agent of your choice can fully evaluate your needs and provide guidance. 

We cannot guarantee the accuracy of our Service calculations or output, therefore our Service is provided on as “as-is” and “as available” basis. The information we utilize in our algorithms is provided by state governmental agencies that collect regulatory information from insurers or third party aggregators of this information. We cannot be responsible for errors due to the collection, dissemination, and interpretation of this information. In addition, our Services require the application of several reasonable assumptions to maintain their simplicity and efficiency, including an implicit assumption relating your total policy premium to specific coverage premiums. These assumptions limit the accuracy of our Services and other key assumptions are detailed at specific steps in the use of the interface.

Disclaimer of Professional Advice and Application

Claim Forward does not provide advice or application for insurance services, public adjusting services, legal services, repair services, contractor services or other insurance related services. Claim Forward is not a licensed insurance agent, insurance company, attorney, public adjuster or contractor, therefore, we cannot provide professional advice regarding these practices. We are providing an interface to connect you to potential Providers who have paid a licensing fee to use our Site.

Any incorrect information entered by you may result in incorrect Services or incorrect Product options and/or pricing. Providers may contact you regarding their applicable Products, which may or may not involve a fee if hired by you. NEITHER PARTY OWES THE OTHER ANY DUTIES, FIDUCIARY OR OTHERWISE, AND EACH PARTY RELEASES THE OTHER FROM ALL MANNER OF ACTIONS, WHETHER PAST, PRESENT OR FUTURE, ACTUAL OR CONTINGENT, ARISING OUT OF OR RELATED TO SUCH DUTIES, EXCEPT AS EXPLICITLY STATED IN THESE TERMS. A Provider advertisement on our Site does not constitute a referral or an endorsement by Claim Forward.

Claim Forward does not imply or guarantee insurer coverage is provided for any particular loss. Any description of coverage or statute is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limitations of your actual policy. Claim Forward does not convey any form of insurance policy coverage. Nothing on the interface alters the terms or conditions of any policy you may or may not have. You should read your policy for a complete description of applicable coverage and terms before making any decisions.

Consent to Receive Commercial Email

Because we are an advertising Site, we seek to connect you with Providers that may assist in your claim management. AS SUCH, IF YOU PROVIDE YOUR EMAIL TO US, YOU CONSENT TO RECEIVE COMMERCIAL EMAIL MESSAGES FROM US AND/OR OUR PROVIDERS, AND ACKNOWLEDGE AND AGREE THAT SUCH EMAIL ADDRESS MAY BE USED FOR THE PURPOSE OF INITIATING COMMERCIAL EMAIL MESSAGES.

Let us know if you’d like to unsubscribe from our emails at This email address is being protected from spambots. You need JavaScript enabled to view it..

Intellectual Property with Respect to our Site

The content of the Site is protected by law, including without limitation, United States copyright law. We reserve all rights in and to the Site and all related intellectual property not expressly granted within these Terms. You are granted permission to use the information provided to you on or via the Site solely for your own personal, non-commercial use. You may not "mirror" any content contained within this Site without our express prior written consent. Except as stated herein, none of the content may be used, reproduced, distributed, published, displayed, downloaded, or transmitted in any form by any means without our prior written permission. Further, you may not copy, decompile, reverse-engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Site, or any part thereof. We may also restrict your access to this Site, at any time, without notice and without liability to you for any consequences of the discontinuance or change.

Warranties and Disclaimers

We provide our Service using a commercially reasonable level of skill and care. No other warranty is made by Claim Forward / Consumer Insurance Trust LLC regarding any information, Services or Products provided through or in connection with this interface. Claim Forward / Consumer Insurance Trust LLC hereby expressly disclaims any and all warranties, including without limitation: any warranties as to the availability, reliability, timeliness, accuracy or content of information, Products or Services and any warranties of merchantability or fitness for a particular purpose. User agrees to hold harmless, protect and defend Claim Forward / Consumer Insurance Trust LLC, its affiliates, officers, directors, employees, agents, licensees, subcontractors and vendors for any and all actions, claims and/or damages resulting from the use of this interface, including any costs, expenses (including, among other expenses, reasonable attorneys' fees and expenses), losses, damages (specifically excluding consequential, exemplary, special, indirect or punitive damages), suits, claims, or liabilities incurred and arising from or relating to use of our Products, Services or Providers.

Please use practical judgment in evaluating the Services, Products and information provided herein and verify any information used to make financial decisions, as appropriate. In no event shall Claim Forward or affiliated companies be liable to you or anyone else for any decision made or action taken by you in reliance on the content of this Site.

Liability of Our Services

WHEN PERMITTED BY LAW, CLAIM FORWARD  / CONSUMER INSURANCE TRUST LLC AND THEIR PROVIDERS WILL NOT BE RESPONSIBLE FOR LOST PROFITS, REVENUES, OR DATA, FINANCIAL LOSSES, LOSS OF USE OF EQUIPMENT OR LOST CONTRACTS OR FOR ANY SPECIAL INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES IN ANY WAY ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SERVICE, THE USE OR PERFORMANCE OF THE SOFTWARE OR OUTPUTS OR RELATING TO THIS AGREEMENT, HOWEVER CAUSED, EVEN IF CLAIM FORWARD  / CONSUMER INSURANCE TRUST LLC OR SUCH LICENSOR HAS BEEN MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. CLAIM FORWARD  / CONSUMER INSURANCE TRUST LLC  WILL NOT BE RESPONSIBLE FOR COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS BY USER. TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF CLAIM FORWARD  / CONSUMER INSURANCE TRUST LLC, AND ITS SUPPLIERS AND DISTRIBUTORS, FOR ANY CLAIMS UNDER THESE TERMS, INCLUDING FOR ANY IMPLIED WARRANTIES, IS LIMITED TO THE AMOUNT YOU PAID US TO USE THE SERVICES (OR, IF WE CHOOSE, TO SUPPLYING YOU WITH THE SERVICES AGAIN). IN ALL CASES, CLAIM FORWARD  / CONSUMER INSURANCE TRUST LLC, AND ITS PROVIDERS WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE IS AT YOUR SOLE RISK.

General Legal Provisions

If any provision in these Terms of Use is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect, and the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision. The failure by either party to enforce at any time any of the provisions herein, to exercise any election or option provided herein, or to require at any time the performance of the other of any of the provisions herein will not in any way be construed as a waiver of such provisions. Further, the section headings used herein are for convenience only and shall not be given any legal import.

Governing Law

These Terms will be governed by the laws of Florida. All claims arising out of or relating to these Terms will be litigated exclusively in the Twelfth Judicial Circuit for the State of Florida or the United States District Court for the Middle District of Florida, and you and Claim Forward / Consumer Insurance Trust LLC consent to jurisdiction in those courts.

Breach

The "Parties" hereto acknowledge that any breach of these Terms shall entitle the non-breaching "Party" not only to damages, but also to injunctive relief to enjoin the actions of the breaching "Party", as well as costs, including fees of its attorneys, paralegals and legal assistants. The prevailing "Party" in any such action shall be entitled to attorneys’ fees and costs.