Terms
Last updated November 11, 2026. By using ClaimCircle you agree to what follows.
What ClaimCircle is not
ClaimCircle is a self-help information tool. It is not legal advice and not a licensed public adjuster. We do not represent you or negotiate with your insurer.
Nothing on this site is legal advice, and using it does not create a lawyer-client relationship with anyone. We are not a law firm. We are not a public adjuster or a licensed insurance professional. We do not act for you, speak for you, or negotiate on your behalf, and we never contact your insurer.
If the amount at stake matters to you, speak to a lawyer or a licensed public adjuster in your state. This tool is a starting point for understanding your own situation, not a substitute for that advice.
What the comparisons are, and are not
Comparisons are built entirely from figures other homeowners typed in. We do not verify them. People misremember, round, and occasionally make things up. A comparison tells you roughly where your offer sits among a small group of figures people reported themselves. It is not an appraisal, a valuation, or evidence of what you are owed.
We never invent or estimate figures to fill a gap. When there is not enough information to say anything, we say that instead.
About the letter tool
The explanation of your letter and the draft reply are produced automatically by an AI reading the documents you upload. It can misread a clause, miss something important, or describe your policy incorrectly.
Read anything it produces before you rely on it, and check it against your actual policy. The draft reply is a starting point for you to edit and send yourself. It has blanks in [square brackets] that you must fill in. We do not send anything on your behalf.
Using the site fairly
- Only add figures that are yours and are accurate.
- Do not add a claim more than once, or add claims that are not real. The five-household minimum is what protects other people’s privacy, and filling a group with fake claims breaks that protection.
- Do not try to work out who added a claim, or to work out one household’s figures from a group’s.
- Do not upload documents that are not yours to upload.
- Do not scrape, overload, or attempt to break the service.
We may remove claims that appear to be abusive or made up, and block access where necessary to protect the service and the people using it.
Availability
The service is provided as-is and free of charge. We make no promise that it will be available, accurate, or complete, and we may change or withdraw features at any time. The letter tool has daily limits and may be unavailable.
Your result link
Your result page can only be reached through the private link you are given after you send your claim. Treat it like a password. We have no way to look it up for you, and anyone who has the link can see that result.
Liability
To the fullest extent permitted by law, we are not liable for any loss arising from your use of this site, including decisions you make about your insurance claim. Your dealings with your insurer remain entirely your own.
The full wording of this section is being written by a lawyer and will be added here when these terms have been reviewed.
Governing law
Which state’s law applies, and where a dispute would be heard, will be added here when these terms have been reviewed by a lawyer.
Contact
Contact details have not been added to this copy of the site yet.