Important Information and Professional Limitations

HomeWise Advocate™, including RestoreWise™, BuildWise™, RemodelWise™, HomeWise Plus™, and all related AI-assisted tools, reports, checklists, reviews, and educational resources, provides general information, document organization, plain-language summaries, and homeowner decision-support guidance.

HomeWise Advocate™ is not a law firm, attorney, public adjuster, independent insurance adjuster, insurance agent, insurance carrier, engineering firm, architectural firm, building-code authority, environmental-testing company, licensed home inspector, emergency-response provider, construction contractor, or restoration contractor.

HomeWise Advocate™ does not provide legal advice, insurance representation, licensed public-adjusting services, engineering opinions, architectural services, code determinations, environmental or medical advice, professional inspections, emergency services, or construction services.

HomeWise Advocate™ does not:

• Represent homeowners in insurance claims
• Negotiate with insurance companies
• Prepare, present, adjust, or settle claims for homeowners
• Determine whether a loss is covered
• Make binding interpretations of insurance policies
• Determine what an insurer, contractor, or other party is required to pay
• Recommend accepting or rejecting an insurance settlement
• Certify that mitigation, drying, remediation, construction, or repairs are complete
• Guarantee the accuracy or completeness of an estimate, scope, contract, photograph, report, or uploaded document
• Guarantee insurance, legal, construction, financial, safety, or project outcomes

Policy Briefs™, Coverage Analyses™, Mitigation Completion Reviews™, Scope Reviews™, Estimate Reviews™, Contract Reviews™, Photo Reviews™, Did My Contractor Miss Anything?™ reviews, and Final Completion Reviews™ are educational decision-support resources.

These services identify policy language, observations, missing information, questions to ask, documents to request, and items worth confirming.

They are not professional inspections, certifications, coverage determinations, claim valuations, legal opinions, engineering opinions, or guarantees of workmanship.

Artificial intelligence

HomeWise Advocate™ uses artificial intelligence.

AI-generated content may contain errors, omit relevant information, misunderstand documents or photographs, or lack current jurisdiction-specific requirements.

Important information should be verified with the appropriate insurance carrier, licensed contractor, attorney, public adjuster, engineer, architect, inspector, environmental professional, government authority, or other qualified professional.

Homeowners remain responsible for reviewing information, consulting appropriate professionals, selecting service providers, meeting deadlines, protecting people and property, and making their own final decisions.

Emergency and safety matters

HomeWise Advocate™ is not an emergency service.

For fire, smoke, active flooding, sewage, electrical hazards, structural instability, injury, suspected contamination, hazardous materials, or another immediate threat, prioritize personal safety and contact 911, the appropriate utility provider, emergency personnel, or qualified mitigation and safety professionals.

Privacy and payment information

HomeWise Advocate™ minimizes the information it collects.

Sensitive identifiers such as Social Security numbers, banking information, full payment-card information, driver’s-license numbers, insurance passwords, claim-portal credentials, and mortgage account numbers are not required for policy analysis and should not be uploaded.

Payment information is processed by the designated payment provider.

HomeWise Advocate™ does not directly store full payment-card numbers or card security codes.

HomeWise Advocate™ does not sell customer documents or use one homeowner’s private documents to answer another homeowner’s questions.

No online service can guarantee absolute security.

No professional relationship

Use of HomeWise Advocate™ does not create an attorney-client, public-adjuster-client, insurance-agent-client, contractor-client, engineer-client, architect-client, inspector-client, fiduciary, or other licensed professional relationship.

Homeowner First™

The goal is not conflict.
The goal is clarity.