Terms of Use

1. Agreement and scope

EIG Holdings, Inc. and its affiliates, including EIG Claims Services, Inc., EIG Technology, Inc. and EIG Restoration (together, "EIG," "we," "our" or "us"), welcome you. These Terms of Use ("Terms") govern your access to and use of:

• The Site. eigclaimsgroup.com and our former websites evansclaims.com, eig-claims.com and eigtechnology.com
• The customer portal. portal.home.eigtech.io
• First-contact video. the video session links we send to insureds by text or email
• The EIG Inspection Platform mobile app. used by adjusters and EIG teams in the field

Together these are the "Services." These Terms replace the prior EIG Claims Services Site Terms.

BY ACCESSING OR USING THE SERVICES, YOU AGREE TO THESE TERMS AND ALL POLICIES INCORPORATED BY REFERENCE, INCLUDING OUR PRIVACY POLICY. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

2. Carriers and other agreements

Insurance carriers, MGAs and programs that assign claims to EIG do so under a separate master services agreement ("MSA"). If these Terms conflict with an MSA, the MSA controls for that carrier and its staff. Independent adjusters, and contractors may also be bound by separate independent contractor or vendor agreements, which control where they conflict with these Terms. These Terms do not change any insurance policy or any other agreement you have with EIG.

3. Who uses the Services

The Services are used by homeowners and insureds, independent adjusters, field adjusters, EIG staff, carrier desk adjusters and claims staff, and EIG Restoration crews and contractors. Some features are available only to authorized users we have assigned to a claim. You may use only the features and claims you are authorized to access.

4. Accounts and security

Some Services require an account. You agree to provide true, accurate, current and complete information and keep it up to date. You are responsible for keeping your password and account confidential and for all activity under your account. Do not share your login or let anyone else use your account. Notify us immediately of any unauthorized use or security breach.

We may suspend or terminate an account if information is inaccurate, if we suspect misuse, or if an assignment ends. We may provide account and usage records when required by law or lawful process, or to protect our rights, customers or business.

5. First-contact video and recording

When an insured joins a first-contact video session, an EIG team member will ask for verbal consent to record at the start of the call, and that consent is recorded. Because the inspection is required by your insurance carrier, it will still take place if you do not consent to being recorded. In that case, we will ask you to leave the area while our team completes the video inspection of the property, so that you are not recorded.

Recorded video, snapshots, audio and notes become part of the claim file. Please do not capture other people without their permission, and avoid showing sensitive items that are not related to the damage. Standard message and data rates from your mobile carrier may apply.

6. Claim media and data

Video, photos, measurements, notes, estimates, reports and other information collected for a claim ("Claim Data") belong to the insurance carrier that assigned the claim. EIG collects, stores and processes Claim Data on the carrier’s behalf to handle the claim, perform quality review and meet legal and contractual obligations, as described in the carrier’s MSA and our Privacy Policy.

Requests to access, correct or delete Claim Data may be referred to the carrier that owns the claim file. Adjusters, staff and contractors may not download, copy, share or use Claim Data for any purpose other than the assigned claim.

7. Automated tools and AI

The EIG Inspection Platform uses automated tools, including AI, to generate draft estimates and scope suggestions and to transcribe and summarize calls. These outputs are drafts that support our people. They are not coverage, liability or payment decisions.

• Human review. A licensed adjuster reviews every automated estimate, scope suggestion and summary before it is used in any coverage or payment decision.
• Accuracy. Transcripts and summaries can contain errors. The recorded call and the adjuster’s final report are the record of what was said and documented.
• Decisions. Coverage decisions are made by the insurer under the applicable policy.

8. Mobile app license

If you are authorized to use the EIG Inspection Platform mobile app, EIG grants you a limited, revocable, non-exclusive, non-transferable license to install and use it on a device you control, solely to perform your assigned work for EIG. You may not copy, modify, reverse engineer, decompile or create derivative works of the app, or use it for any other business. We may update the app or require updates to keep using it. Your license ends when your account or assignment ends. App store terms may also apply.

9. Acceptable use

You will not use the Services for any unlawful purpose or any purpose prohibited by these Terms. You will not:

• post or send unlawful, infringing, threatening, defamatory, obscene or fraudulent material, or spam;
• submit false information or falsified claim media;
• use any robot, spider, scraper or other automated means to access the Services without our written permission;
• copy or reproduce the Services on another server or location;
• place an unreasonable load on our infrastructure, interfere with the Services, or bypass any access restrictions.

We may take any action we consider necessary to prevent or stop a violation, including removing material and suspending access without notice, and we will cooperate with law enforcement and lawful requests.

10. Submissions

Questions, comments, suggestions, ideas and feedback you send to EIG through the Site are non-confidential (subject to our Privacy Policy) and become EIG’s property, which we may use for any purpose without compensation to you. This section does not apply to Claim Data or to personal information about insureds, which are governed by Sections 6 and 7 and our Privacy Policy.

We have no obligation to prescreen submissions, but we may edit, refuse or remove any material at any time. We may disclose submissions where required by law or to protect EIG, our users or the public.

11. Copyright and trademarks

All materials in the Services, including the EIG name and logo, the EIG Inspection Platform, software, design, text, graphics, photos, video and their selection and arrangement, are owned by EIG or its licensors. All rights reserved. You may view, download and print Site content for personal, non-commercial, informational use only, provided you do not modify it or remove any proprietary notices.

EIG, EIG Claims Services, EIG Technology, EIG Restoration, EIG Inspection Platform and related logos, page headers, graphics and icons are trademarks, service marks or trade dress of EIG and may not be used without our prior written permission, including in any way that implies our endorsement.

12. Linking and third-party sites

You may link to the Site as long as the link does not portray EIG in a false, misleading or derogatory way, and you do not use our logos or trademarks without written permission. We may revoke this right at any time.

Links to third-party sites are provided as a convenience. EIG is not responsible for their content, and a link does not imply endorsement. Those sites’ own terms and privacy policies apply.

13. Disclaimers

THE SERVICES AND ALL MATERIALS ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. EIG DOES NOT WARRANT THAT MATERIALS ARE ACCURATE, COMPLETE, CURRENT OR ERROR-FREE, OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Content on the Site is general information. It is not legal or insurance advice and does not change the terms of any insurance policy. Repair warranties offered through Option to Repair are governed by their own written terms.

14. Limitation of liability

IN NO EVENT WILL EIG BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING LOSS OF USE, PROFITS OR DATA, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR CONNECTED WITH THE USE OF THE SERVICES.

EIG’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED $25.00 OR THE AMOUNT YOU PAID EIG, WHICHEVER IS LESS.

Some laws do not allow these limitations, so some may not apply to you. Liability for services provided to carriers is governed by the applicable MSA.

15. Governing law and general terms

These Terms are governed by the laws of the State of Texas, USA. You consent to the exclusive jurisdiction and venue of the courts in Somervell County, Texas, for all disputes arising out of or relating to the Services.

• Relationship. No joint venture, partnership, employment or agency relationship is created by these Terms or your use of the Services.
• Force majeure. Neither party is responsible for delays or failures caused by events beyond its reasonable control, such as fire, severe weather, power failure, war, government action or labor disputes.
• Severability. If any part of these Terms is unenforceable, it will be replaced with an enforceable provision closest to its intent, and the rest will remain in effect.
• Entire agreement. These Terms, together with our Privacy Policy and any applicable MSA or contractor agreement, are the entire agreement about the Services.
• Changes. We may change these Terms by posting a new version with a new effective date. Changes are not retroactive unless we tell you. Continued use means you accept the changes.

Any rights not expressly granted are reserved by EIG.