Understand the limits
Disclaimer
Our resources are designed to help you learn and stay organised. Here is what that support does, and where individual professional help is needed.
1. Educational information
Claim Savvy provides educational material about Australian home insurance concepts and the claims process. Our guides, journals, checklists, website content and educational Q&A help you understand information, keep records and prepare your own questions.
They are not a substitute for advice about your particular circumstances. We do not provide personal financial, legal, tax, engineering or building advice through these resources. An example cannot account for every policy wording, exclusion, event or legal requirement.
2. No claim representation or assessment
Claim Savvy does not act as your insurer, insurance broker, claims advocate or claims handler. We do not lodge, negotiate, settle or manage claims for you, and buying a resource does not appoint us to represent you.
We do not decide whether your claim is covered, assess the amount you are entitled to receive or tell you whether to accept a settlement. Those questions may require an appropriately qualified or authorised professional who can examine your circumstances.
3. Your policy and circumstances matter
Insurance cover depends on the applicable policy and the facts of the event. Read your current policy documents, schedule and relevant correspondence. Ask your insurer to explain unclear terms and obtain individual advice where needed.
Different policies can treat similar events differently. A checklist or worked example is an aid to organisation; it is not proof of cover, a valuation, an expert report or a decision about legal rights.
4. No guaranteed outcome
Using Claim Savvy resources does not guarantee that a claim will be accepted, that a particular amount will be paid or that an insurer will respond within a particular time. Examples and experiences do not predict another person’s result.
Keep your own records accurate. Do not alter evidence or make statements you cannot support. Follow applicable notification requirements and seek timely advice about deadlines rather than assuming a general guide extends them.
5. Safety comes first
Never put yourself or another person at risk to complete a checklist, photograph damage or collect documents. Follow current directions from emergency services and other responsible authorities. Use appropriately qualified tradespeople or specialists for hazards, inspections and repairs.
Our material is not an emergency service, damage assessment or instruction to enter an unsafe property. Do not delay urgent assistance while waiting for a reply from Claim Savvy.
6. Educational Q&A and privacy
Keep Q&A questions general and leave out personal identifiers and private claim documents. A question that needs individual advice or claim handling may need to be redirected. A session is not a confidential professional consultation.
For help with a Claim Savvy purchase or a possible error in our materials, contact hello@claimsavvy.com.au. For your individual insurance matter, seek assistance through the appropriate insurer or professional.
7. Accuracy, links and your rights
Laws, guidance and policy wording can change. Check dates and current primary sources before relying on time-sensitive information. Links to other websites are provided for context; those organisations are responsible for their own content.
This disclaimer describes the scope of our educational service. It does not exclude or limit any consumer guarantee, remedy or other right that cannot lawfully be excluded. Read it with our Terms of Service and Privacy Policy.