1. Membership Agreement
   By enrolling in Adjuster Advantage™, you agree to these Terms & Conditions, which govern your membership and communications with Homeland Public Adjusters (“Homeland PA,” “we,” or “us”). Membership is available at no cost to qualified property owners in Florida and New Jersey.
2. Consent to Communications
   You expressly authorize Homeland PA to communicate with you via email, text message (SMS/MMS), phone calls, automated calls, direct mail, social media messaging platforms (including but not limited to Facebook Messenger, Instagram, WhatsApp, and similar services), and any other digital or physical means of contact for the purposes of:

• Providing information, updates, and educational content related to insurance claims and property protection.
• Delivering promotional offers and marketing materials about our services.
• Contacting you before, during, and after weather events, natural disasters, or property losses to offer assistance and claim support.
• Sending newsletters, reminders, alerts, surveys, and service announcements.

3. Acknowledgment of Request for Information
   By enrolling, you acknowledge and agree that you are specifically requesting ongoing information and communications from Homeland PA about insurance claims and related services. This acknowledgment authorizes us to provide outreach that may otherwise be considered solicitation under applicable state law.
4. Compliance With State Law
   All communications will comply with the laws and administrative rules governing public adjusters in the state where your property is located, including:

• Florida Statutes and DFS rules (e.g., restrictions on in-person or phone solicitation within the first 48 hours after a loss).
• New Jersey Department of Banking and Insurance regulations governing public adjusters.

Homeland PA will never engage in harassment, coercion, or deceptive practices.

5. Authorization to Be Contacted in the Event of Disaster
   You authorize Homeland PA to contact you immediately before, during, and after a hurricane, storm, fire, flood, or other catastrophic event with updates, preparedness information, and offers of claim assistance, subject to applicable state law.
6. No Guarantee of Outcomes
   Adjuster Advantage™ is not an insurance product and does not guarantee coverage, claim approval, or payment. Membership does not itself create representation. Representation in any insurance claim requires a separate written Public Adjuster contract with Homeland Public Adjusters, executed in accordance with applicable state law.
7. Opt-Out Rights
   You may opt out of receiving promotional or marketing communications at any time by using the unsubscribe link in emails, replying STOP to texts, adjusting social media preferences, or contacting us directly. Opting out does not terminate your membership.
8. Privacy & Data Use
   Your information will only be used by Homeland PA for the purposes described in these Terms. We will not sell or share your personal data with unaffiliated third parties without your consent, except as required by law.
9. Limitation of Liability
   Homeland PA is not liable for any damages resulting from your reliance on communications or membership materials. You are responsible for maintaining insurance coverage and property protection as required by your insurer.
10. Modification of Terms
    We reserve the right to update or modify these Terms & Conditions at any time. Continued membership constitutes acceptance of any revised terms.

11. Governing Law
These Terms are governed by the laws of the state where your insured property is located (Florida or New Jersey).