Terms of Use

Acceptance

By using flhomeowner.com (the "Site"), you agree to these Terms of Use. If you don't agree, don't use the Site.

Tools are estimates, not advice

The calculators and lookup tools on this Site are provided for general informational purposes only. They are estimates, not professional advice. Property tax, flood zones, evacuation zones, and similar data depend on official sources that change over time and vary by individual circumstances.

Before making any financial, real estate, insurance, legal, or emergency-preparedness decision, verify the result with the appropriate official source:

• Your county property appraiser (for property values, tax bills, and exemptions)
• FEMA and your county floodplain manager (for flood zone status)
• Your county emergency management office (for evacuation zones and orders)
• A licensed insurance agent (for coverage requirements and quotes)
• A licensed real estate professional and a licensed attorney

No professional relationship

Use of this Site does not create a real estate, insurance, legal, financial, or fiduciary relationship between you and FL Homeowner or any of its operators. We are not your real estate agent, insurance agent, attorney, accountant, or financial advisor.

Third-party data and links

The Site retrieves data from third-party sources (FEMA, county GIS services, OpenStreetMap, Florida Department of Revenue) and links to third-party websites. We don't control those sources and aren't responsible for their accuracy, availability, content, or privacy practices. Data may be outdated, incomplete, or temporarily unavailable.

Acceptable use

You agree not to:

• Scrape, copy, or systematically download content from the Site beyond what a normal browser does
• Submit automated requests, bots, or load-test traffic without our written permission
• Reverse-engineer, attempt to bypass any rate limits, or interfere with Site operations
• Use the Site for any illegal purpose or in violation of any applicable law
• Resell, repackage, or commercially redistribute Site content without permission

Intellectual property

Original content on the Site (design, code, written text, calculators) is owned by FL Homeowner and protected by applicable laws. Public data (FEMA flood zones, county GIS data, etc.) belongs to its respective government source.

Disclaimers

The site, content, and tools are provided "as is" and "as available" without warranty of any kind, either express or implied, including but not limited to merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant the site will be uninterrupted, error-free, or secure.

Limitation of liability

To the maximum extent permitted by law, FL Homeowner, its operators, and contributors are not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the site, including but not limited to lost profits, lost data, property damage, personal injury, missed deadlines, or insurance, evacuation, or transaction decisions made in reliance on tool output.

Some jurisdictions don't allow the exclusion of certain warranties or limitation of liability, so some of the above may not apply to you.

Indemnification

You agree to indemnify and hold FL Homeowner harmless from any claim or demand, including reasonable attorneys' fees, made by any third party arising out of your use of the Site or violation of these Terms.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any dispute will be resolved in the state or federal courts located in Broward County, Florida, and you consent to the personal jurisdiction of those courts.

Changes

We may update these Terms at any time. Material changes will be marked by an updated date. Continued use after changes means you accept them.

Contact

Questions? Email contact@flhomeowner.com.