Terms of Service
Effective August 8, 2026
These terms are a binding agreement between you and WaterDamageIQ (“WaterDamageIQ,” “we,” “us”) governing your use of waterdamageiq.com and everything we provide through it. By using the service you accept them. If you do not accept them, do not use the service.
Section 12 requires most disputes to be resolved by binding individual arbitration and waives your right to a jury trial and to participate in a class action. You may opt out within 30 days.
1. What this service is
WaterDamageIQ is a triage and documentation tool. You describe water damage, upload photos, and answer questions. We give you back an assessment of what appears damaged, what may be at risk, an estimated repair cost range, a timestamped incident report, and guidance on what to ask your insurer or a contractor. If you ask, we will introduce you to a professional.
2. What this service is not
WaterDamageIQ is not an insurance company, insurance agent, insurance broker, public adjuster, general contractor, engineer, industrial hygienist, mold remediator, or law firm. Nothing we provide is insurance advice, an insurance claim, a legal opinion, an engineering opinion, a mold or health assessment, a bid, a quote, an estimate prepared for settlement, or a prediction of what your insurer will pay.
Our cost figures are informational ranges derived from regional cost data and what our software believes it can see in your photos. They are not quotes, they are not binding on anyone, and no one can price a repair to the dollar from photographs. Actual costs depend on conditions nobody can see in an image — what is behind the wall, what the moisture has already reached, what your local code requires, and what a contractor is willing to charge this week.
Our assessment separates what can be observed from what is inferred, and we try to be honest about the difference. Treat the inferred part as a hypothesis worth checking, not a finding.
Emergencies are not our job. If there is standing water near electricity, a structural sag, sewage, or anyone is in danger, stop using this site and call the appropriate emergency service or utility. Never put yourself at risk to take a photograph.
3. Who may use it
You must be at least 18 and located in the United States. You must be the owner of the property you are describing, or authorized by the owner to submit information about it and to request assistance regarding it. If you are acting for a business, you represent that you have authority to bind it.
4. Your responsibilities
- Give us accurate information. An assessment built on a wrong address, a wrong date, or someone else’s photos is worthless, and submitting deliberately false information to support an insurance claim is fraud.
- Upload only content you have the right to upload, taken at the property you are describing.
- Do not upload other people’s personal information, medical records, or anything unlawful.
- Do not scrape, reverse-engineer, resell, overload, or attempt to gain unauthorized access to the service; do not use it to build a competing product; do not submit content designed to manipulate our models or misstate a loss.
We may suspend or terminate access, and remove content, at our discretion if we believe these terms have been broken.
5. Your content and the rights you give us
You keep ownership of what you submit — your photos, descriptions, answers, and documents (“Your Content”).
You grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable, perpetual, and irrevocable license to host, store, reproduce, modify, adapt, create derivative works from, process, analyze, and display Your Content in order to: operate and provide the service to you; develop, train, evaluate, and improve our products, models, prompts, scope logic, and regional cost data; create de-identified and aggregated data as described in our Privacy Policy; and deliver Your Content to a professional when you ask us to.
De-identified and aggregated data derived from Your Content is owned by us and may be retained, used, published, and licensed indefinitely for any lawful purpose, including research and industry reporting. This survives deletion of Your Content and termination of these terms.
This license does not permit us to publish Your Content in a form that identifies you or your property, or to use it in advertising, without your separate permission. Deleting your incident ends our right to use the underlying files going forward, except for the de-identified and aggregated data described above and copies retained for legal reasons.
You represent that you have all rights necessary to grant this license and that Your Content does not infringe anyone’s rights.
6. Introductions to professionals
If you ask — by checking the consent box — we will pass your incident report, photos, insurance information, and contact details to one or more independent professionals so they can contact you.
We are paid by those professionals for the introduction. We do not employ, supervise, license, insure, or guarantee any of them.
Any agreement you reach with a professional is between you and them. We are not a party to it. We are not responsible for their work, their pricing, their licensing, their conduct, their insurance, their timeliness, or any outcome of your claim. Verify licensing and insurance yourself before anyone starts work — the preparation questions we give you exist for exactly that reason.
You are never required to use anyone we introduce, and declining costs you nothing. The assessment and report are yours either way.
7. Communications
By giving us your email address you agree to receive service messages about your incident — that your report is ready, that your assessment is unfinished, that a professional is reaching out. These are part of the service and are not marketing.
We may also send you marketing email about our own products. Every marketing email has an unsubscribe link, and unsubscribing does not affect service messages.
Phone contact. If you give us a phone number and ask to be connected, you agree that we and the professional we introduce may call or text you at that number about your request, including by automated means, at the number you provided even if it is on a do-not-call list. Message and data rates may apply. Consent to these calls is not a condition of using the assessment, the report, or any other part of the service. You may withdraw it at any time by replying STOP to a text, telling the caller, or emailing us.
8. Our intellectual property
The service, including its software, models, question logic, cost data, report formats, copy, and design, belongs to us and our licensors. These terms grant you a limited, revocable, non-transferable license to use the service for your own water damage incident, and nothing more. Your incident report is yours to keep, print, and share.
9. Disclaimer of warranties
The service, including every assessment, cost range, report, script, and referral, is provided “as is” and “as available,” without warranty of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the service will be uninterrupted, secure, or error free, that any assessment will be accurate or complete, that any cost range will match what you actually pay, that any hidden damage will be identified, or that any insurance claim will be approved or paid.
Software that reads photographs makes mistakes. It can miss damage that is present and flag damage that is not. Use its output as a starting point for a conversation with a qualified professional, not as a substitute for one.
10. Limitation of liability
To the fullest extent permitted by law, neither we nor our officers, employees, contractors, or suppliers are liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, property damage, diminished claim value, denied or underpaid insurance claims, or cost of substitute services, arising out of or relating to the service — even if we were advised such damages were possible.
Our total liability for all claims relating to the service will not exceed the greater of one hundred U.S. dollars ($100) or the total amount you paid us in the twelve months before the event giving rise to the claim.
Some states do not allow the exclusion of certain warranties or the limitation of certain damages. Where that is the case, the exclusions and limits above apply to the maximum extent that state allows, and nothing here limits liability for fraud, gross negligence, willful misconduct, or personal injury where such limitation is prohibited.
11. Indemnity
You will defend, indemnify, and hold us harmless from any claim, damage, loss, or expense (including reasonable legal fees) arising from your use of the service, Your Content, your breach of these terms, your violation of law, or any dispute between you and a professional we introduced.
12. Disputes, arbitration, and class action waiver
Talk to us first. Before starting any proceeding, email reports@waterdamageiq.com with a description of the dispute and what you want. Most things get solved here. Give us 45 days.
Binding individual arbitration. If we cannot resolve it, you and we agree that any dispute arising out of or relating to these terms or the service will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, in the county where you live or by videoconference, at your election. The Federal Arbitration Act governs this section. The arbitrator decides all issues except that a court decides whether the class waiver below is enforceable.
You and we each waive the right to a jury trial and the right to bring or participate in any class, collective, consolidated, or representative action. The arbitrator may award relief only to the individual party seeking it.
Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court for infringement or misuse of intellectual property.
How to opt out. You can reject this arbitration section by emailing reports@waterdamageiq.com with the subject line “Arbitration Opt-Out” and your name and email address within 30 days of first accepting these terms. Opting out costs you nothing else and does not affect any other part of this agreement.
13. Time limit on claims
Any claim relating to the service must be filed within one year after it arises, or it is permanently barred, unless the applicable law forbids shortening the period.
14. Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. For anything not subject to arbitration, you and we consent to the exclusive jurisdiction of the state and federal courts located in California.
15. Changes to these terms
We may change these terms. The effective date at the top will change with them, and material changes will be announced on the site or by email before they take effect. Continuing to use the service after that means you accept the new version. If you do not, stop using the service.
16. General
If a provision is found unenforceable, the rest stays in force. Our failure to enforce something is not a waiver of it. You may not assign these terms; we may assign them in connection with a merger, acquisition, or sale of assets. These terms and the Privacy Policy are the entire agreement between us about the service. Sections 5, 9, 10, 11, 12, 13, and 14 survive termination.
17. Contact
reports@waterdamageiq.com
WaterDamageIQ