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Terms and Conditions

The terms that apply when you use this website and its tools.

Last updated: November 11, 2026

Using this site

By using this website you accept these terms. The content is general information about insurance appraisal and property claims in West Virginia.

No client relationship

Reading the site, using its tools or sending a form does not make you our client. That relationship starts only when we both sign a written engagement agreement.

No legal advice

West Virginia Insurance Appraiser is not a law firm. Nothing here is legal advice. Policies differ, and laws and court decisions change. For legal questions, consult a licensed West Virginia attorney.

Tools and examples

Calculators give planning estimates based on what you enter. They are not appraisals, quotes or predictions of any outcome. Example figures are illustrative.

Content ownership

Site text, design and tools belong to West Virginia Insurance Appraiser. You may link to pages and print them for personal use. Photographs are used under the licenses listed on the photo credits page.

Limitation of liability

The site is provided “as is.” To the extent the law allows, we are not liable for decisions made based on its content or tools.

Governing law

These terms are governed by the laws of the State of West Virginia.

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