Legal Disclaimer

General Information Only

F9 Notes is a free educational resource that provides line-item documentation frameworks and reference notes for property insurance estimating. The materials on this site are offered for general informational and educational purposes only. They do not constitute legal, financial, insurance, claims-adjusting, engineering, or other professional advice, and should not be relied upon as a substitute for the judgment of a qualified professional or the specific terms of any insurance policy.

Every claim, policy, jurisdiction, and loss is different. Nothing on this site creates an adjuster-client, agent, or other professional relationship. You are solely responsible for how you use these materials and for ensuring that any documentation you produce is accurate, complete, and appropriate for your specific situation and applicable law.

No Warranty of Accuracy

The notes and frameworks on this site are contributed and reviewed by claims professionals, but they are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any warranty of accuracy, completeness, merchantability, or fitness for a particular purpose. F9 Notes does not guarantee that any note will be accepted by any reviewer, auditor, or other party, or that it complies with the requirements of any particular policy, estimating platform, or jurisdiction.

Descriptive Use of “F9 Notes”

“F9” is a standard keyboard function key designation. The term “F9 notes” is used in F9 Notes materials descriptively, to refer to the industry practice of attaching explanatory notes to line items in property insurance estimates — a usage that originated with the F9 keystroke in estimating software and is now used generically across the industry regardless of platform.

“F9” and “F9 notes” are not, to F9 Notes' knowledge, trademarks of Xactware Solutions, Inc. or Verisk, and do not appear on Xactware's published trademark list. The use of “F9 notes” in F9 Notes materials does not indicate any affiliation with, endorsement by, or sponsorship by Xactware Solutions, Inc., Verisk, or any other software provider.

Third-Party Trademarks & Software

F9 Notes is an independent resource and is not affiliated with, endorsed by, or sponsored by any third-party software provider. References to estimating software and other products are made solely for identification and reference purposes. All product and company names are the trademarks or registered trademarks of their respective owners.

• Xactimate® is a registered trademark of Xactware Solutions, Inc., a Verisk company. F9 Notes is not affiliated with, endorsed by, or sponsored by Xactware Solutions, Inc. or Verisk.
• CoreLogic®, Cotality® (previously branded as Symbility®), Claims Connect™, and Estimate™ are trademarks of CoreLogic, Inc. or its subsidiaries or affiliates. F9 Notes is not affiliated with, endorsed by, or sponsored by CoreLogic, Inc., Cotality, or any of their subsidiaries.
• Simsol™ is a product of Simultaneous Solutions, Inc. F9 Notes is not affiliated with, endorsed by, or sponsored by Simultaneous Solutions, Inc.
• Encircle™ is a product of Encircle Inc. F9 Notes is not affiliated with, endorsed by, or sponsored by Encircle Inc.

External Links

This site may contain links to third-party websites, including contributor-provided social media and professional profile links. Those sites are not under the control of F9 Notes, and we are not responsible for their content, accuracy, availability, or practices. The inclusion of any link does not imply endorsement, and accessing third-party links is at your own risk and subject to the terms and privacy policies of those sites.

User Listings and Contributor Profiles

Listings and contributor profiles are created and maintained by the individuals themselves. F9 Notes does not endorse, recommend, certify, or vouch for any listed professional, and does not verify their credentials, qualifications, or the quality of their services. Any engagement between a user and a listed professional is solely between those parties, and F9 Notes is not responsible for that engagement or its outcome. Perform your own due diligence before engaging any professional found through the site.

Limitation of Liability

To the fullest extent permitted by law, F9 Notes and its operators shall not be liable for any direct, indirect, incidental, consequential, or other damages arising out of or in connection with your use of, or reliance on, the materials provided on this site.

Governing Law

This disclaimer and your use of the site are governed by the laws of the State of Wisconsin, without regard to its conflict-of-law principles, as further described in our Terms of Use.

Questions

If you have questions about this disclaimer, or believe any attribution on this site is incomplete or inaccurate, please contact us at team@f9notes.com.