Disclaimer & Limitation of Liability

By using this website or the guidebook, you agree to the terms below.

1. General information only

The guidebook and this website are provided for general informational and educational purposes. They describe how wildfire recovery typically works — insurance claims, debris removal, permitting, rebuilding — in plain language, for people who have never had to do any of it before.

They are not tailored to you. They do not account for the specific language of your insurance policy, the condition of your particular property, your finances, your family circumstances, or the details of your claim.

2. Not professional advice

Nothing in the guidebook or on this website is:

• Legal advice. We are not attorneys and we are not your attorney.
• Insurance advice. We are not licensed insurance adjusters, agents, or public adjusters, and we do not represent you in any claim.
• Financial, tax, or accounting advice.
• Engineering, architectural, geological, or environmental advice.
• Medical or mental-health advice.

Reading the guidebook, downloading it, or contacting us does not create an attorney-client relationship, an adjuster-client relationship, a contractor-client relationship, or any other professional or fiduciary relationship.

Before you make any significant decision — accepting a settlement, signing a contract, waiving a right, choosing not to file a claim, or deciding whether to rebuild — consult a qualified professional who has reviewed your specific situation.

3. Accuracy and currency

We made a good-faith effort to get this right. We cannot guarantee that everything in the guidebook is accurate, complete, or current.

Insurance law, building codes, permitting requirements, county procedures, disaster-assistance programs, deadlines, phone numbers, and agency websites all change — sometimes quickly, and sometimes without notice. Wildfire recovery in particular involves programs and rules that can shift from month to month. Information that was correct when Version 1.1 was written may be out of date by the time you read it.

Always verify time-sensitive information — especially deadlines, dollar amounts, code requirements, and eligibility rules — directly with the agency, insurer, or authority involved.

4. Deadlines are your responsibility

Insurance claims, appeals, disaster-assistance applications, and permit applications carry deadlines. Missing one can cost you money or rights permanently. The guidebook may mention typical timeframes, but it is not a calendar, a reminder service, or a tracking system. You are responsible for identifying and meeting every deadline that applies to you. Confirm them with your insurer, your adjuster, and the relevant agency.

5. Third-party agencies, resources, and links

The guidebook and website list government agencies, nonprofits, hotlines, and other outside resources, and may link to their websites. We do not control those organizations and are not responsible for their content, their conduct, their availability, the accuracy of their information, or the outcome of any dealings you have with them.

Listing an agency or resource is not an endorsement or a guarantee that it will help you.

6. No endorsement of contractors, insurers, or vendors

The guidebook explains how to evaluate and choose a contractor, an insurer, a public adjuster, or another vendor. It does not recommend, endorse, vouch for, or guarantee any specific company or individual.

You are solely responsible for vetting, selecting, contracting with, and supervising anyone you hire. We are not a party to those contracts and are not liable for the work, conduct, pricing, licensing, insurance, or solvency of anyone you engage.

7. Author's business interest

The guidebook was written by Randy Nobiensky, a residential building contractor in southern Colorado, and is provided together with RH Builders. The guidebook is offered free of charge, and there is no obligation of any kind to hire the author or that company. Nothing in the guidebook should be read as a solicitation, and reading it creates no obligation to engage the author's business for any work.

8. No warranty

The website and the guidebook are provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components, or that any information in it is correct or will produce any particular result.

9. Limitation of liability

To the fullest extent permitted by Colorado law, Randy Nobiensky and RH Builders, and their owners, officers, employees, contributors, sponsors, and volunteers, shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of, or reliance on, this website or the guidebook — including but not limited to:

• Denied, underpaid, delayed, or abandoned insurance claims
• Missed deadlines of any kind
• Decisions to rebuild, repair, sell, or walk away
• Selection of, or disputes with, any contractor, adjuster, insurer, lender, or other party
• Property damage, construction defects, code violations, or permitting problems
• Lost money, lost property, lost benefits, or lost opportunities
• Emotional distress

This applies even if we have been advised of the possibility of such damages, and regardless of the legal theory under which the claim is brought.

The guidebook is provided free of charge. You have paid nothing for it. To the extent any liability cannot be excluded under applicable law, our total aggregate liability shall not exceed one hundred dollars ($100.00).

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. Nothing here is intended to limit liability for fraud, or for anything else that cannot be limited as a matter of law.

10. Your responsibility

You are responsible for your own decisions. You agree that you use the guidebook and this website at your own risk, and that you will independently verify anything you intend to rely on.

11. Copyright and use

After the Fire is offered free of charge. You are welcome — encouraged — to read it, download it, print it, photocopy it, and give it to your neighbors.

You may not sell it, charge for access to it, or use it as a lead-generation tool for a business. Please do not alter its contents and pass it off as your own. If you want to distribute copies through a church, library, community center, or agency, please do; if you want to reproduce parts of it in something else, contact us first.

12. Changes

We may update the guidebook and these terms. The current edition always lives on this website. Changes take effect when posted, and the "last updated" date above will change.

13. Governing law

These terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles. Any dispute shall be brought in the state or federal courts located in Pueblo County, Colorado.

14. Severability

If any part of these terms is found unenforceable, the rest remains in effect.

Contact

info@rhbuilderscolorado.com · 719-240-7290