Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website of Long Island Public Adjusters, LLC (collectively, the "Site" and "Services"). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our Site or Services.

1. About Long Island Public Adjusters

Long Island Public Adjusters, LLC ("Long Island Public Adjusters," "we," "our," or "us") is a licensed public insurance adjusting firm headquartered at 34 East Main Street, Smithtown, NY 11787. We represent policyholders in property and casualty insurance claims. We are not an insurance company and do not sell, underwrite, or issue insurance policies. Our services may only be offered in jurisdictions where we are licensed; eligibility for our services is subject to applicable state law and licensing requirements.

2. Use of the Site

We grant you a limited, non‑exclusive, revocable license to access and use our Site for personal and non‑commercial purposes, provided that you:

• Do not copy, distribute, modify, or create derivative works of any part of the Site without our express written permission.
• Do not transmit any viruses, malware, or other harmful code.
• Do not use the Site to send spam, chain letters, or unauthorized solicitations.
• Comply with all applicable federal, state, and local laws and regulations.

3. Eligibility and User Accounts

You represent that you are at least 18 years of age (or the age of majority in your jurisdiction) and capable of entering into a binding contract. If you access the Site on behalf of a business or other legal entity, you warrant that you have authority to do so and that the entity accepts these Terms. Some portions of the Site may require an account; you agree to provide accurate information and to keep it up to date. You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account.

4. Public Adjusting Services

Our Site describes services we offer as public insurance adjusters. Availability of those services may vary by state and is subject to licensing requirements. We are not attorneys, accountants, or financial advisors, and the information on the Site is not legal, tax, or financial advice. The results of any claim are dependent on the specific facts, policy terms, and insurance carrier; we do not guarantee any particular outcome. Compensation for our adjusting services is governed by New York law and is typically based on a percentage of the claim settlement.

5. Disclaimer of Warranties

All content on our Site is provided for informational purposes only. While we strive to keep the information accurate and up to date, we make no representations or warranties, express or implied, regarding the completeness, accuracy, reliability, or suitability of the Site. Your use of the Site is at your sole risk. We do not warrant that the Site will be available uninterrupted or error‑free, nor do we warrant that any defects will be corrected.

6. Limitation of Liability

To the fullest extent permitted by law, Long Island Public Adjusters and its owners, employees, agents, and affiliates will not be liable for any indirect, incidental, consequential, or punitive damages (including lost profits or data) arising out of or related to your use of the Site or reliance on any content contained herein.

7. Indemnification

You agree to indemnify, defend, and hold harmless Long Island Public Adjusters from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your misuse of the Site.

8. Intellectual Property

All text, graphics, logos, icons, images, and other content on the Site are owned or licensed by Long Island Public Adjusters and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce or distribute any part of the Site without our prior written permission.

9. Links to Third‑Party Sites

Our Site may contain links to third‑party websites for your convenience. We are not responsible for the content or privacy practices of those sites, and your use of them is at your own risk.

10. Modifications to Terms

We reserve the right to update these Terms at any time. Changes will be effective immediately upon posting to the Site. It is your responsibility to review the Terms regularly. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict‑of‑laws principles. Any disputes arising under these Terms will be resolved exclusively in the state or federal courts located in Suffolk County, New York.

12. Contact Us

If you have any questions about these Terms or our Services, please contact us at: