Terms of Service

You must be at least 18 years old and able to enter into a binding agreement. If you submit a claim on behalf of someone else or a business, you confirm you are authorized to do so.

Claim the Difference is a claims advocacy service. We help vehicle owners document, value, and negotiate Diminished Value and Total Loss claims with insurance carriers.

We are not a law firm, an insurance company, or a public adjuster acting as your legal representative. Nothing we provide is legal advice, and no attorney-client relationship is created by using the Services. If your matter requires legal representation, we may recommend that you consult an attorney.

Every claim is different. Settlement amounts depend on your vehicle, your policy, the carrier, the damage, and applicable state law. Any figures, examples, or testimonials shown on this site are illustrative and are not a promise of a particular result or timeline.

Our work is commission-based: if there is no additional recovery, there is no fee. The exact commission rate and any terms specific to your claim will be provided to you in writing before we begin work, and that written agreement controls if it conflicts with this page.

You agree to use the Services only for lawful purposes, and not to:

• submit false, misleading, or fraudulent information;
• impersonate another person or misrepresent your authority over a claim;
• violate any applicable law, regulation, or insurance policy term;
• interfere with, disrupt, or attempt to gain unauthorized access to our systems.

You are responsible for the accuracy and completeness of the documents, photos, and claim details you give us. Incomplete or inaccurate information can affect the outcome of your claim.

Availability may be limited by state, claim type, vehicle, and our capacity. We may decline or discontinue work on a claim at our discretion, and we will tell you if we do.

When you give us your mobile number and check the consent box on our form, you agree to receive text messages from Claim the Difference at that number about your claim evaluation, including status updates, requests for documents, and appointment reminders.

Consent is not a condition of purchase.

• You can cancel the SMS service at any time. Just text "STOP" to 888-821-8948. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
• If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at claims@claimthedifference.com or 888-821-8948.
• Carriers are not liable for delayed or undelivered messages.
• As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive messages as needed based on your claim activity. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
• If you have any questions regarding privacy, please read our Privacy Policy.

Delivery is not guaranteed. Messages may be delayed or fail due to your carrier, device, or network, and we are not responsible for those delays or failures. We keep a record of your number, your consent, the wording you agreed to, and the date and time, for compliance and support purposes. We do not sell your information.

Our site and messages may link to third-party services, such as our scheduling tool or social media pages. We do not control those services and are not responsible for their content, terms, or privacy practices.

The content, graphics, and materials on this site belong to Claim the Difference or its licensors. You may not copy, reproduce, or redistribute them without our written permission.

To the fullest extent permitted by law, Claim the Difference is not liable for indirect, incidental, special, or consequential damages arising from your use of the Services, including missed or delayed messages or the outcome of any insurance claim.

You may stop using the Services at any time, and either of us may end an engagement as described in your written agreement. We may suspend or end access to the Services if these Terms are breached or the Services are misused.

We may update these Terms from time to time. Updates are posted on this page, and your continued use of the Services means you accept them.

These Terms are governed by the laws of the state in which Claim the Difference is organized, without regard to conflict-of-law rules.

Questions about these Terms? Email claims@claimthedifference.com or call 888-821-8948.

Claim the Difference, 980 N Federal Hwy #110, Boca Raton, FL 33432