Effective Date: August 12, 2026
Welcome to SmokeDamage.com. This website is operated by Rise Public Adjusting LLC, TDI License #3356839 (“Smoke Damage Public Adjuster,” “we,” “us,” or “our”).
These Terms of Use (“Terms”) govern your access to and use of SmokeDamage.com, including the information, features, forms, content, and services made available through the website.
By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.
1. About SmokeDamage.com
SmokeDamage.com provides general information concerning smoke damage, fire-related property damage, insurance claims, and public adjusting services available to policyholders in Texas.
Rise Public Adjusting LLC provides public adjusting services subject to applicable licensing requirements, agreements, regulations, and Texas law.
Information presented on this website is intended to help property owners and policyholders better understand issues that may arise following smoke or fire damage. Website content does not replace a review of your individual insurance policy, claim circumstances, or other relevant documentation.
2. No Client Relationship Created by Website Use
Visiting SmokeDamage.com, reading website content, calling us, sending an email, or submitting information through a website form does not automatically establish a public adjuster-client relationship.
A professional relationship is established only when both parties complete and accept any agreements or documentation required to establish representation.
We reserve the right to accept or decline any potential engagement.
Submitting information through this website does not require us to represent you, contact your insurance company, inspect your property, negotiate your claim, or take action on your behalf.
3. No Guarantee of Claim Results
Every insurance claim is different.
The outcome of a smoke damage, fire damage, property damage, or insurance claim depends on numerous circumstances, which may include policy language, exclusions, deductibles, limits, endorsements, documentation, cause of loss, property conditions, insurance company decisions, and other claim-specific factors.
Nothing on SmokeDamage.com should be interpreted as a promise, warranty, or guarantee that:
- Your insurance claim will be covered
- Your insurance company will approve a claim
- A denied claim will be reversed
- Your claim payment will increase
- You will receive a specific settlement amount
- Your claim will be resolved within a particular period
- Hiring a public adjuster will produce a specific financial result
Examples, explanations, or discussions of claim situations appearing on the website are for informational purposes and should not be interpreted as predictions about your claim.
4. General Information Only
Content on SmokeDamage.com is provided for general educational and informational purposes.
Although we aim to provide useful and accurate information, insurance policies, claim practices, regulations, and individual circumstances vary.
Website information should not be considered a substitute for reviewing your actual policy and claim documents.
You should not make significant financial, contractual, repair, remediation, legal, or insurance decisions solely based on general information contained on this website.
5. Not Legal Advice
SmokeDamage.com does not provide legal advice.
Nothing contained on this website should be interpreted as legal advice, a legal opinion, or the creation of an attorney-client relationship.
Public adjusters and attorneys perform different professional roles.
If you have questions involving legal rights, litigation, statutes of limitation, lawsuits, contractual disputes requiring legal interpretation, or other legal matters, you should consult a qualified attorney.
6. Insurance Policy Information
Insurance policies vary significantly between carriers, policyholders, properties, and coverage types.
References on this website to topics such as:
- Smoke damage
- Fire damage
- Soot contamination
- Smoke odor
- Contents damage
- Structural damage
- Cleaning or restoration
- Additional living expenses
- Business property damage
- Replacement cost
- Actual cash value
- Claim documentation
are general discussions only.
The availability and amount of insurance coverage are determined by the specific terms, conditions, exclusions, limitations, endorsements, and other provisions of your insurance policy, along with the facts of your loss.
Nothing on SmokeDamage.com modifies, expands, guarantees, or creates insurance coverage.
7. Website Forms and Inquiries
SmokeDamage.com may provide forms that allow visitors to request information, ask questions, or inquire about public adjusting services.
When submitting a form, you agree that the information you provide is accurate to the best of your knowledge.
Submitting a form does not constitute:
- Formal notice to an insurance company
- Filing an insurance claim
- Filing an appeal
- Hiring Rise Public Adjusting LLC
- Creating a public adjusting contract
- Meeting any insurance policy deadline
- Meeting any statutory or legal deadline
Do not rely on a website form submission when a deadline or time-sensitive requirement applies to your insurance claim.
8. Communications
If you provide us with your telephone number, email address, or other contact information, you authorize us to use that information to respond to your inquiry and communicate with you about the services you requested or expressed interest in.
Normal telephone, text messaging, or internet service charges imposed by your carrier may apply to communications you receive.
Providing contact information through the website does not require you to hire Rise Public Adjusting LLC.
9. Emergency Situations
SmokeDamage.com is not an emergency response service.
If a property is actively burning, contains dangerous smoke conditions, presents electrical hazards, has structural instability, or otherwise creates an immediate threat to people or property, contact the appropriate emergency services or qualified professionals.
Do not delay necessary emergency action while waiting for a response from SmokeDamage.com.
Always prioritize personal safety.
10. Permitted Use
You may use SmokeDamage.com for lawful personal or business purposes related to learning about our services and insurance claim topics.
You agree not to use the website in any manner that could harm, disable, interfere with, or impair the website or its operation.
11. Prohibited Uses
You may not use SmokeDamage.com to:
- Violate applicable laws or regulations
- Submit intentionally false or fraudulent information
- Attempt unauthorized access to the website, server, databases, or related systems
- Introduce viruses, malicious code, malware, or harmful technologies
- Interfere with website security
- Scrape or extract website content through automated means in a manner that places an unreasonable burden on the website
- Impersonate another person or organization
- Misrepresent your identity or affiliation
- Use website content for fraudulent or misleading purposes
- Copy substantial portions of the website for republication without authorization
- Attempt to disrupt or damage website operation
We may restrict or terminate access to the website when we reasonably believe these Terms have been violated.
12. Intellectual Property
Unless otherwise indicated, the text, layout, graphics, branding, design elements, original images, logos, icons, and other original content appearing on SmokeDamage.com are owned by, licensed to, or used with permission by Rise Public Adjusting LLC.
You may view, download, or print reasonable portions of the website for personal and non-commercial informational use.
You may not reproduce, distribute, republish, sell, modify, commercially exploit, or create derivative works from protected website content without prior authorization, except where permitted by applicable law.
13. Third-Party Images and Content
Certain photographs, graphics, fonts, tools, software, or other materials used on SmokeDamage.com may be provided by third parties under applicable licenses.
Third-party content remains subject to the rights and license terms of its respective owners.
Nothing in these Terms transfers ownership of third-party intellectual property to you or to Rise Public Adjusting LLC.
14. Third-Party Websites and Links
SmokeDamage.com may contain links to third-party websites or resources for convenience or informational purposes.
These websites are operated independently from SmokeDamage.com.
We do not control and are not responsible for the:
- Content
- Accuracy
- Availability
- Security
- Privacy practices
- Products
- Services
- Policies
of third-party websites.
A link to another website does not necessarily constitute an endorsement, partnership, sponsorship, or recommendation.
You access third-party websites at your own discretion and should review their applicable terms and privacy policies.
15. Website Availability
We attempt to keep SmokeDamage.com available and functioning properly, but uninterrupted website access cannot be guaranteed.
The website may occasionally be unavailable due to:
- Maintenance
- Software updates
- Hosting issues
- Security events
- Technical failures
- Internet outages
- Events outside our reasonable control
We may modify, suspend, discontinue, remove, or replace website content or features at any time without notice.
16. Accuracy of Website Content
We make reasonable efforts to provide useful and accurate information. However, we do not warrant that every statement on SmokeDamage.com will always be complete, current, error-free, or applicable to every situation.
Insurance laws, regulations, industry practices, technology, and policy language can change over time.
We reserve the right to correct errors and update website information without prior notice.
17. Testimonials, Reviews, and Examples
If testimonials, reviews, case examples, claim examples, or past experiences appear on SmokeDamage.com, they describe individual circumstances only.
They do not guarantee or predict results for another policyholder or insurance claim.
Claim outcomes vary according to the facts and circumstances involved.
18. Disclaimer of Warranties
To the maximum extent permitted by applicable law, SmokeDamage.com and its content are provided on an “as is” and “as available” basis.
We do not make warranties or representations regarding uninterrupted availability, completeness, accuracy, reliability, suitability, or error-free operation of the website.
Nothing in this section excludes any warranty or right that cannot legally be excluded under applicable law.
19. Limitation of Liability
To the maximum extent permitted by applicable law, Rise Public Adjusting LLC and its owners, employees, representatives, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or similar damages arising solely from your use of or inability to use SmokeDamage.com.
This includes losses allegedly resulting from reliance on general website information rather than individualized professional advice or a review of your specific insurance claim.
Nothing in these Terms limits liability that cannot legally be limited or excluded.
20. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless Rise Public Adjusting LLC and its owners, employees, representatives, and affiliates from claims, liabilities, damages, or reasonable expenses arising from your unlawful use of SmokeDamage.com or your material violation of these Terms.
This provision does not apply where prohibited by law.
21. Privacy
Your use of SmokeDamage.com is also subject to our Privacy Policy.
The Privacy Policy explains how we may collect, use, disclose, and protect information obtained through the website.
By using the website, you acknowledge that online communications and electronic data transmission involve inherent security risks.
22. Public Adjusting Agreements
If you hire Rise Public Adjusting LLC, your professional relationship will be governed by a separate written agreement and applicable laws and regulations.
If a provision of these website Terms conflicts with the terms of an executed public adjusting agreement concerning our professional services, the applicable professional agreement will govern that service relationship to the extent of the conflict.
These Terms primarily govern use of SmokeDamage.com.
23. No Waiver
If we do not immediately enforce a provision of these Terms, that does not necessarily constitute a waiver of our right to enforce that provision later.
A waiver relating to one circumstance does not automatically constitute a waiver relating to another circumstance.
24. Severability
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.
The affected provision may be interpreted or limited to the minimum extent necessary to make it enforceable where legally appropriate.
25. Governing Law
These Terms and your use of SmokeDamage.com are governed by applicable federal law and the laws of the State of Texas, without unnecessarily expanding or limiting any rights that apply under other applicable law.
Nothing in these Terms is intended to override mandatory rights or requirements imposed by applicable law.
26. Changes to These Terms
We may update these Terms of Use periodically to reflect changes to:
- Website features
- Business operations
- Services
- Technology
- Legal or regulatory requirements
- Policies and practices
When these Terms are updated, the revised version may be posted on SmokeDamage.com with a new effective date.
Your continued use of the website following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.
27. Contact Information
If you have questions about these Terms of Use, please contact:
Smoke Damage Public Adjuster
Rise Public Adjusting LLC
TDI License #3356839
Website: SmokeDamage.com
Email: info@smokedamage.com
Phone: +1 (844) 537-1427