What we provide.
Property Claim Guide provides general educational guidance based on information entered by the user. It does not provide insurance advice, legal advice, public adjusting services, engineering opinions, pro estimates, or coverage determinations. All output, including Caro assessment reports, is for informational purposes only.
Who we aren't.
Property Claim Guide does not sell insurance, adjust claims, negotiate claims, represent policyholders, represent insurers, or tell users what insurance will pay. Users should consult their insurer, licensed pro, public adjuster, engineer, or attorney when appropriate.
What the software can and can't do.
Property Claim Guide's reports are generated by Caro, our rule-based assessment engine, from your form responses. Caro is software and its output may contain errors or omissions. It is not a licensed inspection, a public adjuster opinion, or a repair estimate. Caro works only from your answers; it cannot see your property, smell, feel moisture, assess structural integrity, or see inside walls, and it does not currently use any photo-analysis AI. Always verify Caro's findings with a qualified professional. Read the full AI Disclosure for details.
Why our numbers are bands, not quotes.
Any cost range displayed by Property Claim Guide is a broad educational band generated by rule-based analysis. Final pricing depends on licensed pro inspection, local labor costs, material availability, building codes, hidden conditions, emergency response requirements, and policy terms.
How your photos are handled.
Photos you attach at the photo step are checked for readability and counted in your browser to note how well your damage is documented, and are shown back to you in the report on your device. They are never uploaded to or stored on our servers and are not shared with any third-party AI provider; keep your originals, as we cannot return photos to you later. See the Privacy Policy for full details.
Matching, not endorsement.
Property Claim Guide may suggest verified pros based on trade and ZIP code matching. We review pro license credentials against Nevada's public licensing registries during onboarding, but we do not verify insurance coverage, and we do not guarantee pro availability, pricing, quality of work, or suitability for your specific project. You are responsible for independently vetting any pro, including confirming active licensing and insurance, before hiring.
Your role in this.
Users are responsible for safety, property protection, policy review, and professional consultation. If there is an emergency, active hazard, structural risk, fire condition, electrical risk, or health concern, contact appropriate emergency services or licensed professionals immediately. Do not rely on this platform during active emergencies.