Please read these terms carefully before using ShoutFlood
These Terms of Service ("Terms") constitute a legally binding agreement between you and ShoutFlood, Inc. ("ShoutFlood," "Company," "we," "us," "our") governing your access to and use of our website, mobile application, and flood insurance quote comparison services (collectively, the "Services"). By accessing, browsing, or using the Services, you acknowledge that you have read, understand, and agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.
Your use of ShoutFlood Services constitutes acceptance of these Terms. We may modify these Terms at any time. Material changes will be posted with notice, and your continued use of the Services following such notice constitutes acceptance. It is your responsibility to review these Terms periodically for changes.
ShoutFlood provides a flood insurance quote comparison platform that allows homeowners and property owners to request and compare flood insurance quotes from multiple licensed insurance carriers. Our Services include:
ShoutFlood is not an insurance company, insurance agent, or broker. We are a quote comparison platform that connects you with licensed insurance professionals. We do not underwrite, issue, or guarantee any insurance policies.
You must be at least 18 years of age and a legal resident of the United States to use ShoutFlood Services. You represent and warrant that:
If you create an account, you are responsible for maintaining the confidentiality of your login credentials and are liable for all activities under your account. You agree to:
As a user of ShoutFlood, you agree to:
When you request a quote, your information will be shared with participating insurance carriers and brokers to provide accurate quotes. Quote turnaround time typically ranges from 24-48 hours. Quotes are estimates based on the information you provide and may vary from final premium rates.
Quotes provided through ShoutFlood are generally valid for 30 days from issue date. Rates and availability are subject to change. Final premium rates and coverage will be determined by the insurance carrier upon policy issuance.
Requesting a quote does not obligate you to purchase insurance, and participating insurance carriers are not obligated to issue a policy. Final policy issuance is at the sole discretion of the insurance carrier.
ShoutFlood does not warrant the accuracy of quotes, flood zone information, or other data provided through our Services. Quotes are based on information you provide and third-party data sources. While we use commercially reasonable efforts to provide accurate information, we make no representations regarding the completeness or accuracy of:
The Services are provided "AS IS" and "AS AVAILABLE" without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure.
We rely on third-party data sources including FEMA, flood mapping services, and carrier databases. We are not responsible for errors, inaccuracies, or delays in third-party information.
ShoutFlood provides information and quote comparisons for educational purposes only. We do not provide insurance advice, recommendations, or professional guidance. Insurance decisions should be made in consultation with a licensed insurance agent, broker, or your insurance professional who understands your specific situation. You are responsible for selecting appropriate coverage based on your needs and circumstances.
All content on the ShoutFlood Services, including text, graphics, logos, images, software, and designs, is the intellectual property of ShoutFlood or our content suppliers and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use only. You may not:
Any feedback, comments, or suggestions you provide to ShoutFlood may be used by us without obligation or compensation to you.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SHOUTFLOOD SHALL NOT BE LIABLE FOR:
Our total liability to you for any claim arising from these Terms or your use of the Services shall not exceed the amount you paid to ShoutFlood in the 12 months preceding the claim, or $100, whichever is greater.
These limitations apply regardless of the form of action and whether the claim is based on warranty, contract, tort, strict liability, or any other legal theory. Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.
You agree to indemnify, defend, and hold harmless ShoutFlood, its officers, employees, agents, and partners from any claims, damages, losses, costs, or expenses (including attorney's fees) arising from:
ShoutFlood may contain links to third-party websites and services. We are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party services is governed by their terms and privacy policies. We do not endorse third-party sites, and your interactions with them are at your own risk.
ShoutFlood may modify these Terms and the Services at any time without notice. Changes become effective when posted to the website. Your continued use constitutes acceptance. We may discontinue or modify the Services or suspend your account at any time for violation of these Terms or other reasons, with or without notice.
Before pursuing any legal action, you agree to contact ShoutFlood to attempt informal resolution of any disputes.
These Terms and any disputes arising from your use of the Services shall be governed by and construed in accordance with the laws of [State], without regard to conflict of law principles.
You agree to submit to the exclusive jurisdiction of the state and federal courts located in [County], [State] for resolution of any disputes. You waive any objection to venue or inconvenient forum.
Either party may elect binding arbitration for any claim not resolved informally. Arbitration shall be conducted by JAMS or AAA according to their commercial arbitration rules. Arbitration shall take place in [City, State]. Each party shall bear its own costs unless the arbitrator determines otherwise.
ShoutFlood may terminate or suspend your account and access to the Services immediately, without notice or cause, if we believe you have violated these Terms, infringed third-party rights, or engaged in unlawful activity. Upon termination, your right to use the Services ceases immediately. Sections regarding limitation of liability, indemnification, and dispute resolution shall survive termination.
If you have questions about these Terms of Service, please contact us:
Thank you for using ShoutFlood. We're committed to helping you find the flood insurance coverage you need at competitive rates.