TERMS OF SERVICE
Statewide Public Adjuster
Effective Date: September 29, 2026
These Terms of Service (“Terms”) govern your access to and use of statewidepublicadjuster.com and communications and services provided by The Cartur Group Inc. doing business as Statewide Public Adjusters (“Statewide Public Adjusters,” “we,” “us,” or “our”).
By accessing our website, submitting an inquiry, requesting information, or otherwise using our website, you agree to these Terms.
About Statewide Public Adjuster
Statewide Public Adjusters provides public insurance adjusting services to policyholders in connection with property insurance claims.
Geoffrey Luna is identified on the current Statewide Public Adjusters website as a California Public Insurance Adjuster, DOI license #2M17906. Geoffrey Luna Adjuster
Information provided on this website is intended for general informational purposes and does not, by itself, establish a public adjuster-client relationship.
No Guarantee of Claim Results
Every insurance claim is different.
Nothing on this website should be interpreted as a promise, representation, or guarantee concerning:
Insurance coverage
Claim acceptance
Claim value
Settlement amount
Payment timing
Insurance carrier decisions
The ultimate outcome of any insurance claim
Claim outcomes depend on the specific insurance policy, facts surrounding the loss, available documentation, applicable law, carrier decisions, negotiations, and other factors.
Public Adjusting Services
Any formal engagement of Statewide Public Adjusters is governed by a separate written agreement when required.
If there is a conflict between these website Terms and a signed public adjusting agreement concerning professional services, the signed agreement will govern to the extent of that conflict.
No Legal Advice
Information provided by Statewide Public Adjusters through this website is not intended to constitute legal advice.
If you require legal advice regarding your insurance policy, claim, litigation, contractual rights, deadlines, or other legal matters, you should consult a qualified attorney.
Information You Provide
You agree that information you submit through our website or provide to us will, to the best of your knowledge, be accurate and truthful.
You are responsible for ensuring that you have authority to provide any documents, photographs, insurance information, or other materials that you submit.
SMS Messaging Terms
Statewide Public Adjusters may offer SMS communications relating to inquiries, claim evaluations, consultations, appointments, documentation requests, claim-related communications, service updates, and other communications for which you have provided consent.
Where offered, promotional or marketing SMS communications require separate consent.
Consent to receive SMS messages is not a condition of purchasing or receiving services.
Message frequency varies depending upon your interaction with Statewide Public Adjusters.
Message and data rates may apply.
You may discontinue SMS communications at any time by replying:
STOP
After an opt-out request is processed, you may receive a final confirmation message indicating that you have been unsubscribed.
If you later want to receive messages again, you may opt in again through an available Statewide Public Adjusters consent process.
For assistance with the messaging program, reply:
HELP
You may also contact us at:
(949) 688-7501
info@statewidepublicadjuster.com
Wireless carriers are not responsible for messages that are delayed or not delivered.
HighLevel's current A2P guidance specifically checks for business identification, STOP instructions, HELP support, message frequency, carrier language, rates, and a link to the Privacy Policy. HighLevel Support Portal
SMS Privacy
Your privacy is important to us.
Information regarding our collection and use of mobile information and SMS consent is available in our:
Privacy Policy:
https://statewidepublicadjuster.com/privacy-policy
SMS opt-in information and consent are not sold or provided to outside parties for their own marketing purposes.
Communications Consent
Providing a telephone number does not by itself constitute consent to receive marketing SMS messages.
When SMS communications are offered through our website, users must affirmatively choose whether to receive applicable messages.
SMS consent choices are optional.
HighLevel specifically states that simply collecting a phone number does not establish SMS consent and that marketing and non-marketing consent should be separated where both are offered. HighLevel Support Portal
Website Use
You agree not to use this website:
For unlawful purposes
To submit false or misleading information
To interfere with the website's operation or security
To attempt unauthorized access to our systems
To distribute malicious software or code
To impersonate another person
To violate the rights of Statewide Public Adjusters or any third party
Intellectual Property
Unless otherwise stated, website content including text, graphics, branding, logos, designs, photographs, videos, downloads, and other materials is owned by or licensed to Statewide Public Adjusters and is protected by applicable intellectual-property laws.
You may use website content for your own personal and informational purposes but may not reproduce, distribute, publish, modify, or commercially exploit our content without permission.
Third-Party Services and Links
Our website may contain links or integrations provided by third parties.
We are not responsible for the availability, content, security, representations, policies, or practices of third-party websites or services.
Website Availability
We attempt to keep our website available and accurate but do not guarantee that it will always operate without interruption, delay, error, or technical problems.
We may modify, suspend, or discontinue portions of the website at any time.
Limitation of Liability
To the maximum extent permitted by applicable law, Statewide Public Adjusters and its owners, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from use of or inability to use this website.
Nothing in these Terms is intended to eliminate rights or remedies that cannot lawfully be waived.
Indemnification
To the extent permitted by law, you agree to indemnify and hold Statewide Public Adjusters harmless from claims, losses, damages, or expenses arising from your unlawful use of the website, violation of these Terms, or infringement of another person's rights.
Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.
Changes to These Terms
We may update these Terms periodically.
Any updated Terms will be posted on this page with an updated effective date.
Contact Information
Questions concerning these Terms may be directed to:
Statewide Public Adjuster
The Cartur Group Inc. DBA Statewide Public Adjuster
Website: statewidepublicadjuster.com
Phone: (949) 688-7501
Email: info@statewidepublicadjuster.com