Last updated: August 2023.
General Disclaimer And Limitation Of Liability
The HeartlandDisasterHelp.org (the “Site”) provides materials and information (the “Data”) (including any links to other websites and content found at linked sites) that are provided “as is” and without any warranty of any kind, either expressed or implied, including but not limited to any implied warranties of merchantability or fitness for a particular purpose. The Legal Services Corporation (”LSC”) does not assume any liability of any kind, whether in contract, tort, strict liability or any other type of liability, for damages of any kind incurred as a result of the use of this Site. LSC does not warrant that access to this Site will be uninterrupted or error free. LSC does not warrant or make any representations regarding the usefulness of, or the expected results of, the material contained on this Site.
We believe the Data provided on this Site to be accurate, and we make every effort to minimize errors. However, we have not independently verified the Data, both humans and computers are subject to mistakes, and information can change quickly. Thus, we cannot guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please contact us at support@heartlanddisasterhelp.org.
Flood, wildfire, heat and wind risk information is provided for illustrative purposes only. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek the advice of licensed and/or competent individuals before making any investment or financial planning decisions. Do not rely solely on flood risk information or other Data found on this Site.
You agree by accessing this Site that LSC will not be liable under any circumstances or any theories of liability under any law—including civil, common, statutory, international, or of any specific nation—including but not limited to liability based on any tort theories, any contract, strict liability, negligence, patent, or copyright laws. You agree that LSC will not be liable for damages of any kind occurring from the use of the Site, the Data, or any information, goods or services obtained on this Site including direct, indirect, consequential, incidental, or punitive damages (even if LSC has been advised of the possibility of such damages). You agree that these limitations are to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.
Flood, Wildfire, Wind, And Heat Risk Factors
The risk factor results for any individual location shown on this Site are for general information only, and you should not rely on them to determine whether you are required to obtain any specific insurance or take any other action.
The flood factor is based on the property’s projected likelihood and depth of flooding reaching the building. The wildfire factor is based on the property’s distance to wildfire risk areas and burnable vegetation. The heat factor indicates a property’s relative risk to heat, taking into account both how heat in the area compares to the rest of the country, and how things like shade, greenspace, and proximity to water affect heat at the property relative to other nearby properties. The wind factor is based on a property’s likelihood of experiencing damage from winds from hurricane events, tornadoes, tropical storms, and severe wind events.
The models are designed to approximate risk and are not intended for active events. The risk factors may be inaccurate in some areas and the address locator may not accurately identify the address that you provide. Before making any major decisions related to flood risk, such as investment or financial planning decisions, you should contact the National Flood Insurance Program for more information or to view an official copy of the Flood Insurance Rate Maps and to discuss with qualified experts the flood elevations and zones in the vicinity of the property. Before making any major decisions related to wildfire risk, such as investment or financial planning decisions, you should secure and review a homeowners or renters insurance policy to ensure that you have adequate coverage for your property and personal belongings. FEMA also recommends that you photograph or video your property or personal belongings. Finally, information provided on this Site related to the risk of flood, wildfire, wind or heat damage is based on First Street Foundation’s Risk Factor property-level climate models. You can read more about First Street Foundation’s Models and Methodology on their website, linked here.
Use Of Personal Information
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