Last Updated: March 10, 2026
These Terms and Conditions ("Terms") govern your use of the No Repair Cost Inc website and services. By accessing or using our services, you agree to be bound by these Terms. Please read them carefully.
By accessing our website or purchasing insurance coverage from No Repair Cost Inc, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.
No Repair Cost Inc provides property insurance coverage and related services. Our services include but are not limited to:
Specific coverage terms, conditions, exclusions, and limitations are detailed in individual policy documents.
You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.
All insurance coverage is subject to the specific terms, conditions, exclusions, and limitations set forth in the applicable policy documents. Coverage descriptions on our website are summaries only and do not constitute a complete description of coverage. The actual policy documents control in the event of any discrepancy.
Applications for insurance coverage are subject to review and approval. We reserve the right to decline coverage or modify coverage terms based on property inspections, risk assessments, and underwriting criteria.
Premium payments must be made in accordance with the payment schedule outlined in your policy documents. Failure to make timely payments may result in policy cancellation or non-renewal.
If you opt in to receive text messages from No Repair Cost Inc, the following terms apply:
Consent: By providing your mobile phone number and opting in, you consent to receive automated text messages from No Repair Cost Inc. Messages may be sent using an automatic telephone dialing system (ATDS). These messages may include policy updates, renewal reminders, claims information, and service notifications.
Message Frequency: Message frequency may vary depending on your account activity, policy status, and communications preferences. You may receive up to several messages per month.
Cost: Message and data rates may apply according to your mobile carrier's rate plan. Please contact your mobile carrier for details about your plan's messaging rates.
Opt-Out: You can opt out of text messages at any time by replying STOP to any message you receive from us. After sending STOP, you will receive one final confirmation message, and then you will no longer receive text messages from No Repair Cost Inc unless you opt in again.
Help: For assistance with text messages, reply HELP to any message or contact us at cory@norepair-cost.com.
Consent is NOT a condition of purchase. You may obtain insurance services from No Repair Cost Inc without agreeing to receive text messages. Declining text messages will not affect your ability to obtain or maintain coverage.
Mobile Number Changes: You are responsible for notifying us if you change your mobile phone number or no longer wish to receive text messages.
Claims must be submitted in accordance with the procedures outlined in your policy documents. Claims are subject to investigation, verification, and approval based on coverage terms. We reserve the right to deny claims that do not meet policy requirements or that involve fraud or misrepresentation.
You may cancel your policy at any time by providing written notice. Cancellation terms, including any applicable refunds or penalties, are specified in your policy documents.
We may cancel or non-renew your policy in accordance with applicable law and policy terms, including but not limited to non-payment of premiums, fraud, material misrepresentation, or substantial change in risk.
All content on our website, including text, graphics, logos, images, and software, is the property of No Repair Cost Inc or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.
You agree not to:
To the fullest extent permitted by law, No Repair Cost Inc and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services or website, even if we have been advised of the possibility of such damages.
Our total liability to you for all claims arising from your use of our services shall not exceed the amount of premiums you have paid to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless No Repair Cost Inc and its affiliates from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of our services, violation of these Terms, or infringement of any third-party rights.
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
Any dispute arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in San Bernardino County, California.
You agree that disputes will be resolved on an individual basis only and not as part of any class, consolidated, or representative action.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. Your use of third-party websites is at your own risk.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision.
These Terms, together with our Privacy Policy and any applicable policy documents, constitute the entire agreement between you and No Repair Cost Inc regarding our services and supersede all prior agreements and understandings.
If you have questions about these Terms, please contact us:
No Repair Cost Inc
1680 S East ST #B-220
San Bernardino, CA 92408
Email: cory@norepair-cost.com
Acknowledgment: By using No Repair Cost Inc services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.