CoverCheck is a decision-support tool for licensed insurance professionals. Use of this service does not constitute legal, compliance, or underwriting advice. All output requires your professional review and judgment.
By accessing or using CoverCheck ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service. These terms apply to all users, including visitors, registered users, and paid subscribers.
CoverCheck is intended for use by licensed insurance professionals only. By using the Service, you represent that you hold a valid insurance producer license in the state(s) where you conduct business. Use of CoverCheck does not relieve you of any professional licensing requirements or obligations.
CoverCheck is a coverage gap analysis tool that cross-references homeowner declaration pages against current replacement cost data and common endorsement requirements. The Service is designed to assist licensed agents in identifying potential coverage gaps for professional review.
CoverCheck is a decision-support tool, not a replacement for professional judgment. All analysis output is intended as a starting point for your professional review — not a final determination of coverage adequacy, compliance, or legal sufficiency.
You may use CoverCheck to:
You may not use CoverCheck to:
CoverCheck does not provide legal advice, insurance compliance advice, underwriting guidance, or coverage determinations. The Service identifies potential gaps based on algorithmic comparison — it does not constitute a professional opinion on coverage adequacy, carrier compliance, or client liability.
You remain solely responsible for all coverage advice, recommendations, and documentation you provide to your clients. CoverCheck is a tool to assist your review process, not to replace it.
CoverCheck uses replacement cost indices updated quarterly and endorsement data based on common carrier forms. The Service:
CoverCheck makes no warranty that its replacement cost estimates or endorsement checks are accurate, complete, or current for any specific property or carrier. Always apply your professional judgment to any findings.
Your use of the Service is also governed by our Privacy Policy. For paid accounts, scan logs are retained for 90 days. No client PII from declaration pages is stored on CoverCheck servers.
Paid subscriptions are billed monthly or annually as selected. You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period. No refunds are issued for partial billing periods. Billing is processed by Stripe.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. AENOVA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANALYSIS OUTPUT WILL BE ACCURATE OR COMPLETE FOR ANY PARTICULAR USE CASE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AENOVA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO E&O CLAIMS, CLIENT DISPUTES, OR COVERAGE SHORTFALLS. AENOVA'S TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM.
You agree to indemnify and hold harmless Aenova, its officers, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any applicable law or third-party right.
We reserve the right to modify the Service or these Terms at any time. Material changes will be communicated to active subscribers via email with at least 14 days' notice. Continued use after the effective date of changes constitutes acceptance.
We may suspend or terminate your access to the Service for violation of these Terms, non-payment, or any conduct we reasonably believe harms other users or the integrity of the Service. You may terminate your account at any time by contacting us.
These Terms are governed by the laws of the United States. Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association, with proceedings conducted in English.
Questions about these Terms:
CoverCheck is a decision-support tool for licensed insurance professionals. All gap analysis output requires agent professional review and judgment.