NATIONAL RESTORATION CLAIMS ADVISORS

HOMEOWNER SERVICE AGREEMENT

This Homeowner Service Agreement (“Agreement”) is entered into between National Restoration Claims Advisors (“NRCA”) and the client (“Client”) for consulting and documentation support services related to a property insurance claim.

1. SERVICES PROVIDED

NRCA provides consulting and documentation support services which may include:

  • Insurance estimate analysis

  • Identification of potential omitted or underpaid scope items

  • Code requirement review

  • Manufacturer specification review

  • Supplement guidance

  • Claim documentation organization

  • General claim consulting and recovery guidance

NRCA services are limited to consulting and documentation support only.

NRCA is not a public adjusting firm, law firm, insurance company, or licensed engineering firm and does not negotiate, settle, or adjust insurance claims on behalf of insureds.

2. CLIENT RESPONSIBILITIES

Client agrees to:

  • Provide accurate and complete claim-related documentation

  • Remain responsible for all communications and decisions involving their insurance carrier unless otherwise agreed in writing

  • Review all documents and recommendations provided by NRCA before submission to any third party

  • Understand that claim decisions remain solely within the authority of the insurance carrier

3. PAYMENT TERMS

All services are provided on a flat-fee basis unless otherwise agreed in writing.

Payment is due prior to the commencement of services.

Due to the time, analysis, and consulting involved, fees are considered earned once work has begun and are non-refundable after services have commenced.

Client authorizes electronic payment processing for services purchased through NRCA’s website or payment platforms.

4. NO GUARANTEE OF OUTCOME

Client understands and agrees that NRCA does not guarantee:

  • Insurance claim approval

  • Supplemental payment

  • Coverage determinations

  • Specific claim outcomes

  • Any particular financial recovery result

All insurance claim decisions remain solely within the discretion of the insurance carrier.

5. LIMITATION OF LIABILITY

To the fullest extent permitted by law, NRCA’s total liability arising from services provided under this Agreement shall not exceed the total amount paid by Client to NRCA for the specific services rendered.

NRCA shall not be liable for indirect, incidental, consequential, or special damages arising from the use of its services or recommendations.

6. INDEPENDENT CONSULTING RELATIONSHIP

Nothing contained in this Agreement shall be interpreted as creating a fiduciary, legal, public adjusting, contractor, or agency relationship between NRCA and Client.

NRCA provides independent consulting and documentation support services only.

7. DISPUTE RESOLUTION & ARBITRATION

Any dispute arising out of or relating to this Agreement or NRCA’s services shall be resolved through binding arbitration in the Commonwealth of Kentucky.

Client agrees to waive the right to trial by jury.

The prevailing party in any dispute shall be entitled to recover reasonable attorney fees and costs.

8. ELECTRONIC ACCEPTANCE

By submitting payment, checking an acknowledgment box, electronically signing, or otherwise utilizing NRCA services, Client acknowledges that they have read, understood, and agreed to the terms of this Agreement.

Electronic acceptance shall have the same legal effect as a handwritten signature.

9. ENTIRE AGREEMENT

This Agreement constitutes the entire understanding between NRCA and Client and supersedes all prior discussions or representations relating to the services provided.

National Restoration Claims Advisors
NRCApro.com
claims@NRCAadvisors.com