Website Disclaimer

Last Updated: September 23, 2026

General Educational Information

The information provided on GotPropertyDamage.com and in The Property Insurance Survival Guide is provided for general educational and informational purposes.

Insurance policies, property losses, coverage issues, claim circumstances, and applicable laws vary. Information provided on this website should not be interpreted as a determination that a particular loss is covered or that an insurance company owes a particular amount under a specific policy.

No Public Adjuster/Client Relationship

Viewing this website, downloading educational materials, subscribing to emails, contacting Claim Champions, LLC, or submitting a Claim Review request does not by itself create a public-adjuster/client relationship.

Claim Champions, LLC undertakes public-adjuster representation only through a separate written agreement entered into in accordance with applicable law. Submitting information or documents through this website does not authorize Claim Champions, LLC to act on your behalf in connection with an insurance claim.

No Guarantee of Claim Outcome

Every insurance claim depends upon its individual facts, applicable policy language, documentation, cause of loss, damages, applicable law, and other circumstances.

Claim Champions, LLC does not guarantee that a claim will be covered, that an insurer will accept a particular scope or estimate, or that a policyholder will receive any particular settlement or payment.

Examples, educational discussions, case studies, or descriptions of prior claim situations are provided for informational purposes and should not be interpreted as a promise or prediction of the outcome of another claim.

Insurance Policy Language Controls

Insurance coverage is governed by the terms, conditions, limitations, exclusions, endorsements, and other provisions of the applicable insurance policy, together with applicable law. General information appearing on this website is not a substitute for reviewing the actual policy and circumstances of a particular loss.

Not Legal, Tax, Engineering, or Other Professional Advice

Claim Champions, LLC provides public-adjusting services within the scope permitted by applicable licensing laws.

Unless expressly stated otherwise, information on this website is not intended to constitute legal, tax, accounting, engineering, structural, environmental, medical, or other professional advice outside the scope of public-adjusting services. When appropriate, property owners should consult qualified professionals concerning matters requiring those specialized services.

Claim Review Requests

The Claim Review feature allows a property owner or other authorized person to provide preliminary information for review.

Submission of a Claim Review does not mean that Claim Champions, LLC has accepted an engagement, determined that coverage exists, determined the value of a claim, or agreed to provide representation. We may request additional information before determining whether public-adjusting services may be appropriate.

Third-Party Information and Links

This website may reference or link to third-party websites, companies, products, services, standards, government agencies, or other resources for informational purposes. A reference or link does not necessarily constitute an endorsement, and Claim Champions, LLC does not control or guarantee the accuracy, availability, security, or content of third-party websites.

Website Availability and Accuracy

We make reasonable efforts to provide useful and accurate information. However, insurance laws, regulations, policy forms, industry practices, and other information may change. We do not warrant that every item of general information appearing on the website will remain current or apply to every situation.

Licensing

John Meli
Licensed Public Adjuster
New Jersey Public Adjuster License #1297838

Claim Champions, LLC
New Jersey Public Adjuster Firm License #1584677

5006 Wellington Avenue
PO Box 2378
Ventnor City, NJ 08406