Terms of Service

By accessing this website or engaging the services of Impact Claims Consulting LLC (ldquo we, dquo ldquo us, dquo or ldquo our dquo), you agree to these Terms of Service. If you do not agree, please do not use our website or services. These terms apply to all visitors and clients.

Impact Claims Consulting LLC is a licensed public adjusting firm. We represent homeowners in connection with residential property damage insurance claims. Our services include reviewing your policy and the insurer's offer, inspecting and documenting damage, preparing estimates, and negotiating with your insurance company to seek additional payment.

We are licensed as a public adjuster in the State of Texas only. License No. 3438627, held by Miguel Lopez Vazquez. We do not provide services outside of Texas, and we do not represent or work for insurance companies.

Our fee structure is as follows: a $400 engagement fee is due at the start of your claim to open your file. After that, we earn a contingency fee equal to 10% of the extra money recovered above your insurance company's original offer or payment.

Example: if your insurer initially offered $10,000 and, through our work, the claim is settled at $20,000, the ldquo extra money recovered dquo is $10,000. Our contingency fee is 10% of that $10,000, or $1,000, in addition to the $400 engagement fee.

We never take a percentage of the insurer's original offer — only of the additional amount recovered above it. If we do not improve on the insurer's offer, you owe nothing beyond the $400 engagement fee. Specific fee terms for your claim will be confirmed in a written agreement before work begins.

Every insurance claim is different. While we work diligently to maximize your recovery, we cannot guarantee any particular outcome, settlement amount, or timeline. Results depend on the facts of your claim, your policy language, the insurer, and many other factors. Any figures shown on this website or in our calculator are illustrative averages, not promises about your claim.

We may use artificial intelligence (AI) tools to draft, generate, schedule, or send emails, text messages, and other communications on our behalf, including follow-ups, reminders, and informational messages.

AI-generated content may contain errors or inaccuracies. Communications drafted or sent with AI assistance are not legal advice and may be reviewed for accuracy but are not guaranteed to be error-free. Substantive advice about your claim — including coverage determinations, settlement values, or strategy — is provided by a licensed human public adjuster (Miguel Lopez Vazquez), not by an AI.

By providing your contact information through this website or engaging our services, you consent to receiving communications that may be drafted or sent with the assistance of AI tools. You may request at any time that we communicate with you without the use of AI, or that a human review and resend any AI-assisted message, by emailing miguel.lopez@impactclaimconsultingllc.com. We never use AI to make automated coverage or settlement decisions about your claim.

You agree to provide accurate, truthful, and complete information when requesting a review or engaging our services, and to promptly update us if that information changes. You are responsible for the accuracy of any documents, photographs, or statements you provide.

You confirm that you own or are authorized to share any documents you upload through our website, and that uploading them does not violate any third party's rights. You agree to cooperate with us in good faith throughout the claim process, including providing access to your property for inspection and responding to reasonable requests for information.

Impact Claims Consulting LLC provides public adjusting services, not legal representation or legal advice. We are not a law firm, and nothing on this website or in our communications creates an attorney-client relationship. For legal advice, you should consult a licensed attorney. Any communications prepared with the assistance of AI are likewise not legal advice.

All content on this website — including text, graphics, logos, and the Impact Claims Consulting LLC name and emblem — is our property or used with permission and is protected by intellectual property laws. You may not copy, reproduce, or distribute our content without our written permission, except as necessary to use our services.

To the fullest extent permitted by law, Impact Claims Consulting LLC and its representatives shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of our website or services. Our total liability for any claim arising from our services is limited to the fees you have paid us. We are not liable for errors in AI-assisted communications, though we will promptly correct any such error brought to our attention.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law provisions. Any dispute arising out of or relating to our services or these Terms shall be resolved in the state or federal courts located in Texas. We will attempt to resolve disputes informally first — contact us at miguel.lopez@impactclaimconsultingllc.com.

We may update these Terms of Service from time to time. The most current version will always be posted on this page with an updated date. Continued use of our website or services after a change indicates your acceptance of the revised Terms.