Terms of service

Last updated May 9, 2026. These Terms govern browsing and voluntary submissions on https://blacklineadjusting.com (“Site”) by BLACKLINE PUBLIC ADJUSTERS LLC (“Blackline PA,” “BLACKLINE,” “we,” or “our”). They do not supersede executed representation agreements or regulatory obligations once you formally retain us beyond casual inquiry.

1. Acceptance

Accessing pages, toggling localization, transmitting forms, subscribing to texting with consent acknowledgement, retrieving PDFs hypothetically reachable, or analogous engagement constitutes agreeing to Site Terms concurrently with acknowledging our Privacy Policy. Discontinue use if dissatisfied.

2. Educational nature & no attorney‑client posture

Information on the Site is explanatory—not exhaustive legal interpretation. Website interaction alone does not forge attorney‑client rapport; licensed public adjusting remains distinct from practicing law absent separate counsel engagements.

3. Representation & licensing

We adjust claims under Florida DFS licensing statutes with advertising disclosures visibly placed when mandated. Separate written compensation schedules control fees—negotiation does not circumvent regulatory ceilings pertinent to classifications of disasters.

4. Messaging & texting rules

Texts require prior express consent evidenced by affirmative checkbox—not merely browsing. Transmitting STOP terminates further promotional or repeated advisory outreach where technically honored; transactional logistical texts necessary to finalize active claims may endure briefly—coordinate removal nuance referencing claim ID.

Proscribed content: impersonation of carriers, illicit threats via SMS, knowingly false proof submissions, abusive volume intended to degrade infrastructure. Suspected misconduct may spur investigation with authorities.

5. Accuracy of information you furnish

You warrant submission truthfulness—not omitting perilous omissions insurers later weaponize—for intake materials subject to underwriting ethics.

6. Intellectual property

Branding assets, typography pairings curated, narrative copy, illustrative photographs—unless externally sourced with credits—stay proprietary. No scraping for model training circumventing contractual boundaries; citations require attribution lines we specify if ever granted narrowly.

7. Disclaimers

Site furnished “AS IS”; no warranty of uptime, deterministic outcome of claims, underwriting carrier benevolence, or immunity from exclusions—expect adversarial underwriting tension.

8. Liability cap (Site-only)

Exclusive of misconduct impossible to disclaim under Florida law intentionally, our cumulative liability stemming solely from gratuitous informational Site usage—absent contracted representation—typically caps at broader of $250 or fees you voluntarily paid attributable Site-only ancillary digital services (normally zero). Specialized statutory pathways may redefine caps—coordinate counsel if adjudicated.

9. Dispute anatomy

Venue generally Miami-Dade County, Florida—or Federal SD FL if jurisdictional predicates align—excluding DFS administrative licensing enforcement channels unaffected.

10. Modifications

We may revise prose; conspicuous dating tracks iteration; persistent usage symbolizes awareness absent contrary written objection within reasonable interval if applicable consumer frameworks demand.

11. Reach us

For Site-level policy discussions use the contact pathway. Active claim adjudication avenues follow executed representation instructions.