Terms of Service

Last updated: June 22, 2026

These Terms of Service ("Terms") govern your access to and use of www.vanguard-claims.net (the "Site"), operated by Vanguard Claims Solutions ("Vanguard," "we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Informational purpose only

The Site provides general information about public adjusting and our services. It does not constitute legal, insurance, or financial advice, or a recommendation about any specific claim, and using the Site does not create a public adjuster, agency, or other professional relationship between you and Vanguard. That relationship begins only when you and Vanguard sign a written contingency agreement.

No guarantee of results

Insurance claim outcomes depend on the facts of each claim, the terms of your policy, and other factors outside our control. Any examples, reviews, or figures described on the Site are illustrative and do not guarantee or predict the outcome of your claim. Past results do not guarantee future outcomes.

Licensing

Vanguard Claims Solutions is a licensed public adjusting firm. Public adjusting services are offered only in states where we are licensed and only under a separate written contingency agreement. Our designated primary adjuster is Andrew Pichardo, Florida Public Adjuster License #W493213; South Carolina Public Adjuster License #18873906.

Eligibility

You must be at least 18 years old and able to enter into a binding contract to use the Site and submit a request.

Your submissions

When you submit information or upload documents through the Site, you confirm that the information is accurate and that you have the right to share it. Do not upload anything you do not have permission to share. You are responsible for the content you submit, and we handle it as described in our Privacy Policy.

Communications consent

By submitting your information, you agree to be contacted as described in our Privacy Policy, including by phone, text, and email. The Privacy Policy explains how to opt out.

Intellectual property

The Site and its content, including text, graphics, logos, and design, are owned by Vanguard Claims Solutions or its licensors and are protected by law. You may view and use the Site for your personal, non-commercial purposes. You may not copy, reproduce, or distribute Site content without our written permission.

Third-party links

The Site may contain links to third-party websites for your convenience. We do not control and are not responsible for those sites or their content.

Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

Limitation of liability

To the fullest extent permitted by law, Vanguard Claims Solutions and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or goodwill, arising from your use of the Site. Nothing in these Terms limits any liability that cannot be limited under applicable law. This section does not affect the rights and obligations set out in any written contingency agreement you sign with us.

Indemnification

You agree to indemnify and hold harmless Vanguard Claims Solutions from any claims, losses, or expenses arising out of your misuse of the Site or your violation of these Terms.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules, and any dispute relating to the Site will be brought in the state or federal courts located in Florida, unless applicable law requires otherwise. If we provide public adjusting services to you in another state where we are licensed, the law of that state may govern matters specific to those services and to your written agreement.

Changes to these Terms

We may update these Terms from time to time. We will post the updated version here and revise the "Last updated" date above. Your continued use of the Site after changes take effect means you accept the updated Terms.

Severability

If any part of these Terms is found unenforceable, the remaining provisions will stay in full effect.

Contact us

Questions about these Terms? Contact us at: