What we provide.
Property Claim Guide provides general educational guidance based on information entered by the user. It does not provide insurance advice, legal advice, public adjusting services, engineering opinions, pro estimates, or coverage determinations. All output — including Caro AI analysis — is for informational purposes only.
Who we aren't.
Property Claim Guide does not sell insurance, adjust claims, negotiate claims, represent policyholders, represent insurers, or tell users what insurance will pay. Users should consult their insurer, licensed pro, public adjuster, engineer, or attorney when appropriate.
What the AI can and can't do.
Property Claim Guide includes an AI-powered analysis feature called Caro. When you upload photos, Caro — a vision-language model — analyzes them alongside your form responses to generate an educational damage summary. Caro's output is AI-generated and may contain errors or omissions. It is not a licensed inspection, a public adjuster opinion, or a repair estimate. Caro cannot smell, feel moisture, assess structural integrity, or see inside walls. Always verify Caro's findings with a qualified professional. Read the full AI Disclosure for details.
Why our numbers are bands, not quotes.
Any cost range displayed by Property Claim Guide — whether generated by Caro AI or by rule-based analysis — is a broad educational band. Final pricing depends on licensed pro inspection, local labor costs, material availability, building codes, hidden conditions, emergency response requirements, and policy terms.
How your photos are handled.
Photos uploaded for Caro analysis are transmitted securely to our GPU inference provider for processing. Your contact information is never shared with the GPU provider — only the photos and structured damage facts are sent. Photos are stored for 90 days, then automatically deleted. You can request earlier deletion at any time. See the Privacy Policy for full details.
Matching, not endorsement.
Property Claim Guide may suggest verified pros based on trade and ZIP code matching. We verify pro license and insurance information during onboarding, but we do not guarantee pro availability, pricing, quality of work, or suitability for your specific project. You are responsible for independently vetting any pro before hiring.
Your role in this.
Users are responsible for safety, property protection, policy review, and professional consultation. If there is an emergency, active hazard, structural risk, fire condition, electrical risk, or health concern, contact appropriate emergency services or licensed professionals immediately. Do not rely on this platform during active emergencies.