Effective October 17, 2026
OverheadAndProfit.ai · Effective date: October 17, 2026 · Contact: support@overheadandprofit.ai
Plain-language note: we wrote these terms to be readable. Short sentences are still binding ones.
These terms are a contract between OverheadAndProfit.ai ("we", "us") and the business that creates an account or places an order ("you"). You accept them by checking the agreement box at checkout or by using the service. If you do not agree, do not use the service. We record the terms version, time, account, order, and IP address when you accept, so both sides can prove what was agreed.
This service is for businesses: roofing and restoration contractors and their staff. It is not for consumers or personal use. The person who accepts these terms promises they have authority to bind the business. You are responsible for everyone who uses your account, and for keeping your login secure.
You upload an insurance carrier's estimate (a PDF) and photos for one claim. Our system analyzes them and prepares a draft supplement packet, a document that lists items we believe the carrier's estimate missed, for you to review. You pay per claim. Prices, options, and turnaround times are shown at checkout before you pay.
We prepare documents for YOU, the contractor. We do not represent homeowners. We do not contact, negotiate with, or settle with insurance companies. We do not interpret insurance policies or coverage. We are not a public insurance adjuster, a law firm, or an engineering firm, and nothing we produce is insurance, legal, or professional advice.
You alone decide whether and how to use any document we prepare, and you alone submit it. You agree not to use the service in any way that violates laws on public adjusting or claim negotiation, including Texas Insurance Code chapter 4102, and not to present us to anyone as a claim negotiator or adjuster.
Our analysis uses artificial intelligence. AI can misread a document, miss items, invent information, or get quantities, prices, and codes wrong. Before you use any output, a qualified person on your team MUST check every line of it against the source documents and your own knowledge of the job. You are solely responsible for the final packet and everything you submit to a carrier or tell a homeowner.
We do not guarantee that a carrier will accept a supplement, that a claim will pay more, or any other outcome. The fee pays for the analysis, not for a result.
You promise that you have the right to upload the documents, photos, and data you give us (including the homeowner's information inside them) and that you have given the homeowner any notice their contract with you or the law requires. You promise your uploads are for real claims on real jobs you are actually engaged on, and that you will not upload anything unlawful.
Your first supplement claim is free, and so is your first roof scope estimate (a full replacement scope we price for you when you do not have a carrier estimate yet). We process each free claim without requiring a payment card. To open a finished free report, you must put a card on file and authorize its use for later paid claims. Saving your card does not charge you for a free report.
After your free ones, each supplement claim costs $200 with 5-hour turnaround, $250 with 2.5-hour turnaround, or $300 with turnaround in under 1 hour. Each roof scope estimate costs $200 with 5-hour turnaround, $250 with 2.5-hour turnaround, or $300 with turnaround in under 1 hour. Texas sales tax is added to paid orders. Section 8 explains when the turnaround clock starts.
For each paid claim you order, you authorize us to charge your saved card after we check and approve your upload. If we need clearer or missing materials, we ask you to provide them before we approve the upload and charge your card.
Charges happen once per paid claim you order, with no fixed schedule. This is not a subscription. The amount is the claim price plus any faster-turnaround option you select and sales tax, as shown when you place that order. We may make the charge while you are not signed in.
Our payment processor stores your card details and processes payments. Prices may change for future orders, but the price shown when you place an order applies to that order. Refunds are covered by section 9.
Hours are elapsed hours, including weekends and holidays.
The clock starts when we approve your claim. For a paid claim, that is after we check your upload or answers and your card is charged. For a free claim, or any claim with nothing to charge, it is after we check your upload or answers. If we need clearer or missing materials, or your card does not go through, the clock has not started yet. Once the clock starts, it does not stop or pause, not even while our team reviews your claim. Staffing problems or problems with our service providers do not stop the clock.
A free claim does not require payment or a card on file for work to start.
Refunds never exceed what you paid for the order.
You own what you upload and the claim packets we prepare for you. You give us only the limited right to host, copy, process, analyze, and transmit that material as needed to provide the service, keep it secure, support you, and comply with law.
We will not sell your data or the homeowner's data. We will not use it for advertising. We may use only fully de-identified, aggregated statistics (like average turnaround time) to run and improve the service.
For personal data inside your uploads (the homeowner's information), you are the controller and we are your processor. We process it only on your instructions as expressed through the service, for the purposes, duration, and data types described in these terms and the Privacy Policy. We keep it confidential, delete or return it as described in the Privacy Policy's retention section, make information reasonably available to you to show we meet these obligations, allow reasonable assessments, and bind every subcontractor that touches this data to written terms at least as protective as these.
We use outside AI service providers to read claim documents, describe job-site photos, and help prepare supplement packets. Outside AI service providers may receive unredacted estimate text and job-site photos, including homeowner names, addresses, claim and policy numbers, and identifying details visible in photos. By uploading, you confirm you have authority to share this information and instruct OverheadAndProfit.ai to use these services to prepare your claim packet. See our Privacy Policy for details.
We treat your claim files as confidential and protect them with reasonable technical and organizational safeguards (encryption in transit, access controls, least-privilege access). If we confirm a security incident affecting your claim content, we will notify you without unreasonable delay and no later than 72 hours after confirming it.
Do not: use the service for anything unlawful or fraudulent; upload malware; probe or overload our systems; resell or white-label the service without a written agreement; scrape it; use it to build a competing product; or misrepresent what our documents are when you use them.
The service (software, templates, formats, prompts, and everything behind it) belongs to us. These terms give you no rights in it except the right to use the service while these terms allow.
We rely on service providers (listed in the Privacy Policy, with AI service providers listed by category) for login, payments, hosting, email, and AI analysis. Their availability affects ours. We choose and bind them carefully, but we are not responsible for a third party's own services you use directly under their terms (like Stripe's relationship with your bank).
You can stop using the service anytime; orders already in progress are governed by section 9. We may suspend or close an account that breaks these terms, fails payment, or creates a security or legal risk, with notice unless the risk makes notice impractical. When an account closes, you may export your packets first; after that, the Privacy Policy's deletion schedule applies.
The service is provided "as is" and "as available." We disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. Sections 5 and 9 state your complete remedies for problems with a deliverable.
Neither side is liable to the other for lost profits, lost revenue, lost business, lost claim proceeds, reputational harm, or indirect, special, incidental, punitive, or consequential damages, even if told they were possible. In particular, we are not liable for the amount an insurance carrier does or does not pay on any claim.
Our total combined liability for everything arising out of the service is capped at the greater of (a) $1,000 or (b) the fees you paid us in the 12 months before the event giving rise to the claim.
These limits do not apply to fraud, willful misconduct, gross negligence, our unauthorized sale or misuse of personal data, your payment obligations, or anything the law does not allow to be limited.
You will defend and indemnify us against third-party claims, penalties, and reasonable costs caused by: uploads you had no right to make; homeowner notices you failed to give; unlawful public adjusting or claim negotiation; altering a packet or misrepresenting what it is; fraudulent or misleading submissions to a carrier; or content you upload that breaks the law. This never covers losses caused by our own fraud, willful misconduct, or gross negligence.
Before any formal dispute, either side emails the other a plain description of the problem and both sides get 30 days to resolve it informally.
If that fails, any dispute is resolved by BINDING INDIVIDUAL ARBITRATION under the AAA Commercial Arbitration Rules, before one arbitrator, in Nueces County, Texas (remote hearings allowed). Texas law and the Federal Arbitration Act govern. BOTH SIDES WAIVE CLASS, COLLECTIVE, AND REPRESENTATIVE ACTIONS. Either side may instead use small-claims court for a qualifying claim, and either side may go to court for an injunction over data misuse, confidentiality, or intellectual property. Nothing here stops anyone from contacting a government agency.
Texas law governs these terms. For anything a court may hear, exclusive venue is the state and federal courts covering Nueces County, Texas.
We may update these terms. For material changes we will notify you (email or in-app) at least 14 days before they take effect; continuing to place orders after that is acceptance. The terms version you accepted governs each order you placed under it.
These terms plus the Privacy Policy are the whole agreement. If a part is unenforceable, the rest stands. We may not both be partners, and neither side is the other's agent. You may not assign these terms without our consent; we may assign them in a sale of the business with notice to you. Notices to us: support@overheadandprofit.ai. Notices to you: your account email.
Questions about these terms: support@overheadandprofit.ai.