Thomas Lacovara & Associates Public Adjusters ← Back to the site

Terms, Disclaimers & Privacy

Effective November 14, 2026

The short version: This site describes our public adjusting services. It is not legal or insurance advice, we don’t represent you until there is a signed written contract, and past recoveries don’t guarantee future results. Use of the site is at your own risk, and our content is ours.

About these terms

This website is operated by Thomas Lacovara & Associates Public Adjusters (“we,” “us”). By using the site you agree to the terms on this page. If you don’t agree, please don’t use the site.

These terms cover the website only. Any public adjusting services we provide are governed by a separate written contract signed by you and us.

General information only

Everything on this site is general information about Thomas Lacovara & Associates Public Adjusters. We work to keep it accurate and current, but details can change without the site being updated, and mistakes happen. That includes descriptions of the claims process, coverage, timelines and what a claim may be worth.

Nothing on this site is a contract, an offer that binds us, or a guarantee of any outcome. Please confirm anything important with us directly before relying on it.

Not legal or insurance advice

We are licensed public adjusters. We are not attorneys and we are not a law firm. Nothing on this website is legal advice, and nothing here is advice about your specific policy or claim. Every policy and every loss is different. For advice about your situation, speak with us directly or with a licensed New Jersey attorney.

Insurance policies and the law set deadlines for reporting a loss, filing proof of loss and bringing suit. Do not delay acting on a claim because of anything you read on this site.

If you have an emergency, call 911. This website is not monitored for emergencies.

No client relationship until a contract is signed

Visiting this site, calling us, emailing us, or sending the contact form does not make you our client, and it does not obligate us to act on your claim. We represent you only after you and we have signed a written public adjuster contract that meets New Jersey requirements. Our fee and the scope of our work are stated in that contract.

A free claim review is a conversation about your situation. It is not a commitment by either side.

Results and testimonials

Statements on this site about past recoveries, including total dollars recovered, and the reviews and testimonials shown, describe past experiences of specific clients. They are not a promise or prediction about your claim. What a claim recovers depends on the facts of the loss, the policy language and the insurance company’s decision. We cannot guarantee any result.

Photos in our gallery show actual or representative losses and are shown for illustration only.

Who we are and who we are not

Our professionals and associates are independent, licensed subcontractors who work for you, the policyholder, and not for any insurance company.

Thomas Lacovara & Associates is not associated with Bill Lacovara, Matt Lacovara, or Lacovara Public Adjusters of Ventnor.

No warranties

The website and everything on it are provided “as is” and “as available.” To the fullest extent New Jersey law allows, we make no warranties of any kind about the website, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement.

We don’t promise that the site will always be online, error-free, secure, or free of viruses or other harmful code. You use the site, and anything you download or link to from it, at your own risk.

Limitation of liability

To the fullest extent New Jersey law allows, Thomas Lacovara & Associates Public Adjusters, its owners, employees and contractors, and Shore Works (the company that designed and maintains this website) are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data or business interruption, that arise from your use of, or inability to use, this website or its content. This applies whether the claim is based on contract, negligence, statute or any other legal theory.

For any claim that arises from the website itself, our total combined liability is limited to one hundred U.S. dollars ($100).

This section is about the website. It does not limit liability for bodily injury, for gross negligence, fraud or intentional misconduct, or any right you have under the New Jersey Consumer Fraud Act or other New Jersey law that cannot be waived by agreement.

If you misuse the website (for example by attacking it, scraping it, or submitting false or unlawful material through a form) and that leads to a claim against us or Shore Works, you agree to cover the resulting losses and reasonable legal costs.

Privacy

What we collect. We collect what you choose to give us when you call, email, or submit the contact form, such as your name, phone number, email address, property location and details about your loss. Like most websites, our hosting provider also keeps standard server logs (such as IP address, browser type and pages requested).

How we use it. We use your information to respond to you, to provide what you asked for, and to keep the site running and secure. We do not sell your personal information. We share it only with the service providers that help us run the site and communicate with you (such as our website host and email provider), or when the law requires it.

Calls and texts. If you give us a phone number, we may call or text you about your request. Message and data rates may apply. Tell us at any time if you’d like us to stop.

Cookies and embedded content. Embedded third-party content (such as maps, fonts or social media) may set cookies or receive your IP address under that company’s own privacy policy.

Keep sensitive details out of web forms. No website or email is perfectly secure. Please don’t send Social Security numbers, payment card numbers, passwords or similar sensitive information through this site.

Children. This site is not directed to children under 13, and we don’t knowingly collect their personal information.

Your choices. To ask what information we have about you, or to have it corrected or deleted, call 609.926.6500 or email tlacfire@gmail.com.

Accessibility

We want everyone to be able to use this website, and we aim to follow the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA. If any part of the site is hard for you to use, call 609.926.6500 or email tlacfire@gmail.com. Tell us which page and what went wrong, and we will help you directly and work on a fix.

Website design and hosting

This website was designed and is maintained by Shore Works on behalf of Thomas Lacovara & Associates Public Adjusters. Shore Works provides web design and hosting services only. It does not own or operate Thomas Lacovara & Associates Public Adjusters, is not a party to any transaction or agreement between you and Thomas Lacovara & Associates Public Adjusters, and is not responsible for Thomas Lacovara & Associates Public Adjusters’s products, services, prices, statements, or the content Thomas Lacovara & Associates Public Adjusters supplies for this site.

Questions about the business should go to Thomas Lacovara & Associates Public Adjusters. The protections in the “No warranties” and “Limitation of liability” sections above apply to Shore Works as well.

Governing law

These terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law rules. Any dispute about the website must be brought in the state or federal courts located in New Jersey, and you and we both consent to those courts.

If a court finds any part of these terms unenforceable, the rest stays in effect.

Changes and contact

We may update this page from time to time. The date at the top shows when it was last changed, and the updated version applies from that date forward.

Questions about these terms? Call 609.926.6500 or email tlacfire@gmail.com.