Five Star Claims Adjusting

Privacy Policy

Effective Date: January 1, 2026

Last Updated: July 21, 2026

This Privacy Policy applies to www.kirklandfivestar.com and the related online forms, client portals, electronic communications, and public adjusting services operated by Kirkland Small, doing business as Five Star Claims Adjusting (“Five Star Claims Adjusting,” “Five Star,” “Company,” “we,” “our,” or “us”).

“You” and “your” refer to Website visitors, prospective clients, policyholders, insureds, claimants, property owners, authorized representatives, clients, and other individuals whose personal information we process.

By using our Website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy.

This Privacy Policy should be read together with our Terms of Service.

1. Scope of This Privacy Policy

This Privacy Policy applies to personal information we collect:

• When you visit or interact with our Website;
• When you submit a contact or consultation-request form;
• When you call, email, text, or otherwise communicate with us;
• During an initial consultation or property evaluation;
• When you enter into a Public Adjuster Contract with us;
• When you provide insurance-policy or claim documents;
• When we inspect or document property damage;
• When we communicate with insurers and authorized third parties;
• When you use a client portal or document platform;
• When you make a payment related to an executed agreement;
• When you subscribe to requested communications or updates; and
• When you otherwise interact with our business.

This Privacy Policy does not govern independently operated third-party websites or services that maintain their own privacy policies.

2. Personal Information We Collect

The information we collect depends on how you interact with us and whether you become a client.

2.1 Contact and Identification Information

We may collect information such as:

• Full name;
• Mailing address;
• Property address;
• Email address;
• Telephone and mobile number;
• Preferred communication method;
• Electronic-signature information;
• Date and time of document execution; and
• Information concerning your authority to act for a property owner, policyholder, insured, estate, trust, company, or other party.

2.2 Insurance Policy and Claim Information

We may collect information such as:

• Insurance-company name;
• Policy number;
• Claim number;
• Policy type and coverage information;
• Deductibles, limits, exclusions, and endorsements;
• Date, location, and reported cause of loss;
• Description of reported property damage;
• Insurance-company estimates and correspondence;
• Coverage letters and claim decisions;
• Proofs of loss and sworn statements;
• Prior claim or loss information;
• Payment and settlement information;
• Depreciation and recoverable-depreciation information;
• Contents inventories and personal-property information;
• Additional living expense or loss-of-income information;
• Repair, replacement, mitigation, and remediation records; and
• Other information relevant to evaluating or presenting a claim.

2.3 Property and Damage Information

We may collect information such as:

• Property ownership and occupancy information;
• Property type, age, condition, and construction details;
• Photographs and videos of the property and reported damage;
• Measurements, diagrams, sketches, floor plans, and room details;
• Information about building materials and damaged components;
• Inspection observations and field notes;
• Repair history and maintenance information;
• Permitting and building-code information;
• Reports prepared by engineers, contractors, or consultants; and
• Information about emergency repairs or mitigation work.

2.4 Mortgage, Lender, and Additional Payee Information

We may collect information such as:

• Mortgage-company or lender name;
• Mortgage or loan reference information;
• Loss-draft department information;
• Additional insured or additional payee information;
• Insurance-check endorsement requirements; and
• Payment-disbursement and repair-inspection requirements.

2.5 Contractor and Professional Service Information

We may collect information relating to:

• Contractors and repair companies;
• Water, fire, mold, or emergency-mitigation providers;
• Roofers and specialty-trade contractors;
• Engineers, architects, hygienists, and consultants;
• Attorneys and legal representatives;
• Appraisers and umpires;
• Invoices, estimates, contracts, reports, and repair scopes; and
• Other professionals involved with the property, loss, or insurance claim.

2.6 Communications

We may collect and retain:

• Emails;
• Text messages;
• Telephone call details;
• Voicemails;
• Portal messages;
• Appointment information;
• Documents and attachments;
• Notes from conversations, consultations, and meetings; and
• Communications with authorized claim participants.

Telephone or video communications may be recorded only when permitted by applicable law and after any legally required notice or consent.

2.7 Payment and Transaction Information

When a payment is made, we or an authorized payment processor may collect:

• Billing name and address;
• Payment amount;
• Payment method;
• Transaction date and confirmation information;
• Limited bank or payment-card information;
• Invoice and account-balance information; and
• Information necessary to process, reconcile, or dispute a payment.

Full payment-card or banking credentials may be processed directly by an authorized financial institution or payment processor rather than stored by Five Star Claims Adjusting.

2.8 Website and Device Information

When you visit the Website, we and our service providers may automatically collect:

• Internet Protocol address;
• Browser type and version;
• Device type and operating system;
• Approximate geographic location derived from an IP address;
• Pages viewed and links selected;
• Date and time of access;
• Referring and exit pages;
• Session duration and navigation activity;
• Form interactions;
• Necessary cookie, session, and Website-performance identifiers;
• Website errors, performance information, and security logs; and
• Other technical information required to operate the Website.

We do not use this information for behavioral advertising, targeted advertising, or tracking visitors across unrelated websites.

2.9 Information From Third Parties

We may receive personal information from:

• Insurance companies and their representatives;
• Policyholders, insureds, claimants, and authorized representatives;
• Mortgage companies and lenders;
• Contractors and mitigation companies;
• Attorneys, engineers, consultants, appraisers, and other professionals;
• Governmental or regulatory agencies;
• Publicly accessible property and business records;
• Referral sources;
• Website, hosting, analytics, and technology providers;
• Payment processors and financial institutions; and
• Other persons authorized to provide information concerning a claim.

3. Sensitive Personal Information

Depending on the circumstances of a claim, we may receive information that may be considered sensitive under applicable law, including:

• Insurance-policy and claim identifiers;
• Financial-account or payment information;
• Government-issued identification information;
• Electronic signatures;
• Precise property-location information;
• Information concerning property occupancy or accessibility;
• Mortgage and loan information;
• Medical or accommodation information when directly relevant to additional living expenses or another claim issue; and
• Account credentials used for an authorized client portal.

We use sensitive information only as reasonably necessary to provide requested services, administer a claim, process payments, protect security, comply with law, or carry out another disclosed purpose.

4. How We Use Personal Information

We may use personal information to:

• Respond to questions and consultation requests;
• Determine whether we may accept a potential claim;
• Verify identity and authority to act;
• Prepare and administer a Public Adjuster Contract;
• Provide authorized public adjusting services;
• Review policies, estimates, correspondence, and claim documents;
• Inspect and document reported property damage;
• Prepare estimates, inventories, diagrams, and claim packages;
• Prepare or assist with proofs of loss and supporting documentation;
• Coordinate inspections and appointments;
• Communicate with clients and authorized claim participants;
• Communicate or negotiate with an insurance company when authorized;
• Review coverage positions, estimates, and settlement offers;
• Assist with claim-resolution procedures when legally permitted;
• Process insurance checks, invoices, and payments;
• Maintain business, tax, licensing, and claim records;
• Manage client relationships and customer service;
• Operate, maintain, secure, and improve the Website;
• Analyze Website traffic and technical performance;
• Detect fraud, misuse, security threats, and unlawful activity;
• Enforce contracts and protect legal rights;
• Respond to subpoenas, court orders, and lawful government requests;
• Comply with insurance, licensing, regulatory, and legal obligations;
• Send requested service-related communications;
• Send requested updates or occasional business communications when permitted by law;
• Manage business transfers or organizational changes; and
• Carry out another purpose disclosed when the information is collected.

5. Public Adjuster-Client Relationship

Submitting information through the Website does not create a public adjuster-client relationship.

Before a valid Public Adjuster Contract is executed, we may use information you provide to:

• Respond to your inquiry;
• Conduct a preliminary conflict or eligibility review;
• Schedule an initial consultation;
• Evaluate whether we may offer services; and
• Maintain records of the inquiry.

We will not represent you, contact your insurer as your public adjuster, or negotiate your claim solely because you submitted information through the Website.

6. How We Share Personal Information

We may share personal information as described below. We do not publicly disclose private claim information except as authorized, required, or permitted by law.

6.1 Insurance Companies and Claim Representatives

After appropriate authorization or execution of a Public Adjuster Contract, we may share claim-related information with:

• Insurance companies;
• Company adjusters and independent adjusters;
• Claims examiners and managers;
• Insurance-company attorneys;
• Engineers, consultants, and experts retained by an insurer;
• Third-party claim administrators; and
• Other authorized insurance-company representatives.

6.2 Contractors and Claim-Related Professionals

We may share relevant information with a contractor, mitigation company, engineer, consultant, attorney, appraiser, umpire, testing company, or other service provider when:

• You have retained or authorized that person or business;
• The disclosure is reasonably necessary to administer the claim;
• The disclosure is reasonably necessary to provide requested services;
• You have consented to the disclosure; or
• The disclosure is otherwise permitted or required by law.

6.3 Mortgage Companies and Other Payees

We may share information with mortgage companies, lenders, associations, additional insureds, additional payees, and other parties identified on an insurance policy or payment when reasonably necessary to:

• Process or endorse insurance payments;
• Verify payee information;
• Comply with loss-draft requirements;
• Coordinate required property or repair inspections;
• Provide requested claim or repair documents; or
• Administer the release or disbursement of insurance proceeds.

6.4 Service Providers

We may disclose information to vendors that provide services on our behalf, such as:

• Website hosting and maintenance;
• Cloud storage and document management;
• Customer relationship management systems;
• Electronic-signature platforms;
• Estimating and property-documentation software;
• Email, telephone, and client communication management;
• Appointment scheduling;
• Client portal services;
• Payment processing and accounting;
• Data backup and cybersecurity;
• Website analytics and performance monitoring;
• Professional consulting and administrative support; and
• Records storage and document destruction.

We expect service providers to process information only for authorized purposes and subject to applicable contractual and legal obligations.

6.5 Professional Advisers

We may disclose information to our attorneys, accountants, auditors, insurers, consultants, and other professional advisers when reasonably necessary to obtain advice, protect legal rights, comply with law, or operate our business.

6.6 Legal, Regulatory, and Safety Disclosures

We may disclose information when we reasonably believe it is necessary to:

• Comply with a law, regulation, subpoena, warrant, or court order;
• Respond to a lawful request from a government or regulatory agency;
• Comply with public-adjuster licensing or regulatory obligations;
• Investigate suspected fraud or unlawful conduct;
• Protect the rights, property, or safety of a person or organization;
• Enforce a contract or collect an amount lawfully due;
• Prevent or respond to a cybersecurity incident; or
• Establish, exercise, or defend a legal claim.

6.7 Business Transfers

Personal information may be reviewed, disclosed, or transferred in connection with a proposed or completed merger, acquisition, reorganization, financing, sale of assets, change of control, dissolution, bankruptcy, or similar business transaction.

Any recipient will remain subject to applicable privacy and confidentiality obligations concerning the information transferred.

6.8 With Your Direction or Consent

We may share information with another person or organization when you direct us to do so or provide appropriate authorization.

7. No Sale of Personal Information

Five Star Claims Adjusting does not sell personal information in exchange for money.

We do not disclose personal information to third parties for their own independent advertising or marketing purposes.

We do not use advertising pixels, behavioral advertising, targeted advertising, or cross-site tracking technologies on this Website.

8. Cookies and Similar Technologies

We and our service providers may use limited cookies, local storage, scripts, and similar technologies that are reasonably necessary to operate, secure, maintain, and improve the Website.

8.1 Necessary Cookies

Necessary cookies and similar technologies may be used to:

• Operate essential Website functions;
• Maintain Website security;
• Prevent fraud, abuse, or unauthorized access;
• Support contact forms and client portals;
• Remember basic Website preferences;
• Maintain sessions and authentication; and
• Diagnose technical errors.

8.2 Website Performance Information

We may use limited first-party or service-provider analytics to understand Website traffic, page performance, technical errors, and general usage patterns.

We do not use analytics information to build advertising profiles, follow visitors across unrelated websites, or deliver behaviorally targeted advertisements.

8.3 Browser Controls

Most browsers allow users to block or delete cookies through their browser settings. Blocking necessary cookies may prevent certain Website features, forms, portals, security functions, or login sessions from operating properly.

9. Analytics and Website Performance Services

We may use limited analytics or Website-performance services to help us understand how the Website functions, improve usability, and identify technical or security issues.

Information processed for these purposes may include:

• Internet Protocol address;
• Browser and device information;
• Pages viewed;
• Date and time of access;
• General navigation activity;
• Approximate location derived from an IP address;
• Website errors;
• Form and page-performance information; and
• Security and diagnostic data.

This information is used for Website operation, security, maintenance, troubleshooting, and improvement. It is not used for cross-site tracking, behavioral advertising, or targeted advertising.

10. Social Media

Five Star Claims Adjusting may maintain business pages on social-media platforms or provide links to its social-media pages through the Website.

When you visit or interact directly with a social-media platform, that platform may collect and process information under its own terms and privacy policy.

We do not use social-media advertising pixels or similar technologies on this Website to track visitors across unrelated websites.

We are not responsible for the independent privacy, security, or data practices of a social-media platform.

11. Telephone, Email, and Text Communications

When you provide contact information, we may use it to:

• Respond to your inquiry;
• Schedule consultations or inspections;
• Provide claim-related updates;
• Request documents or information;
• Administer an existing Public Adjuster Contract;
• Send invoices or payment information;
• Provide legally required notices; and
• Send occasional business communications when requested or permitted by law.

Message and data rates may apply to text messages.

You may request that promotional text messages stop by replying STOP. You may request assistance by replying HELP when that functionality is supported.

You may unsubscribe from promotional emails by selecting the unsubscribe link included in the email.

Opting out of promotional communications will not prevent us from sending non-promotional messages concerning an inquiry, contract, claim, appointment, payment, security matter, or legally required notice.

12. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, acquisition, use, alteration, loss, destruction, or disclosure.

Safeguards may include:

• Access controls and account permissions;
• Passwords and authentication procedures;
• Secure cloud-storage and document-management services;
• Encryption where appropriate and available;
• Data backup and recovery measures;
• Security monitoring and malware protection;
• Employee and contractor confidentiality requirements;
• Vendor-management procedures;
• Physical protections for paper and electronic records; and
• Secure document destruction or deletion practices.

No internet transmission, information system, electronic communication, or storage method can be guaranteed to be completely secure. We therefore cannot guarantee absolute security.

You are responsible for maintaining the confidentiality of any portal credentials and for promptly notifying us if you believe an account, communication, or document has been accessed without authorization.

13. Data Breach Response

If we identify a security incident affecting personal information, we may investigate the incident, take reasonable containment and remediation measures, notify affected individuals, and notify governmental or regulatory authorities when required by applicable law.

Notification methods may include mail, email, telephone, Website notice, or another legally permitted method, depending on the circumstances.

14. Retention of Personal Information

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

• Respond to inquiries;
• Provide and document public adjusting services;
• Maintain claim and client records;
• Comply with public-adjuster licensing and regulatory obligations;
• Meet insurance, accounting, tax, and business-record requirements;
• Resolve disputes and collect amounts lawfully due;
• Establish, exercise, or defend legal claims;
• Prevent fraud and protect security; and
• Enforce agreements.

Retention periods vary depending on the type of information, status of the claim, contractual requirements, applicable law, regulatory requirements, and reasonably anticipated disputes.

When information is no longer reasonably necessary, we may delete, destroy, de-identify, or anonymize it, subject to legal and operational requirements.

15. De-Identified and Aggregated Information

We may create aggregated or de-identified information that does not reasonably identify an individual.

We may use such information for analytics, business planning, service improvement, security, training, reporting, and other lawful purposes.

We will not attempt to re-identify information maintained as de-identified except when reasonably necessary to test or validate our de-identification processes or as otherwise permitted by law.

16. Your Privacy Rights

Depending on where you reside and whether an applicable privacy law applies to our business or processing activities, you may have the right to:

• Confirm whether we process personal information concerning you;
• Request access to personal information we maintain concerning you;
• Request correction of inaccurate personal information;
• Request deletion of certain personal information;
• Request a portable copy of certain personal information;
• Withdraw consent when processing is based specifically on your consent;
• Appeal a decision concerning a privacy request where applicable; and
• Receive equal service and not be unlawfully discriminated against for exercising an applicable privacy right.

We do not use personal information for targeted advertising or certain forms of automated profiling, and we do not sell personal information in exchange for money.

Privacy rights are not absolute. We may retain or continue processing information where permitted or required for reasons such as:

• Providing requested services;
• Performing or enforcing a contract;
• Complying with a legal or regulatory obligation;
• Maintaining legally required business or claim records;
• Detecting fraud or protecting security;
• Processing payments;
• Exercising or defending legal claims;
• Protecting another person’s rights; or
• Completing an internal use permitted by applicable law.

17. Submitting a Privacy Request

To submit a privacy request, contact us through one of the following methods:

• Email: [email protected]
• Telephone: (321) 444-6981
• Mail: Five Star Claims Adjusting, 1060 Maitland Center Commons Boulevard, Suite 310, Maitland, Florida 32751

Please identify the privacy right you wish to exercise and provide enough information for us to locate the relevant records.

Do not send a Social Security number, full policy number, full financial account number, or other highly sensitive information through ordinary email solely to submit a privacy request.

18. Identity Verification

We may need to verify your identity before acting on a privacy request. Verification may require information reasonably related to records we already maintain.

Depending on the request and sensitivity of the information, we may ask you to:

• Confirm your name and contact information;
• Respond from an email address already associated with your records;
• Verify limited claim, property, or account information;
• Provide a signed verification statement; or
• Use another secure authentication method.

We may deny or limit a request when we cannot reasonably verify identity, authority, or the applicability of the request.

19. Authorized Agents

You may be permitted to designate an authorized agent to submit a privacy request on your behalf.

We may require the agent to provide written authorization and may contact you directly to verify the authorization, unless applicable law provides otherwise.

An authorized agent must not use personal information obtained through the request for any purpose other than fulfilling the request.

20. Privacy Request Appeals

Where applicable law provides a right to appeal, you may appeal our decision by sending an email to [email protected] with the subject line: Privacy Request Appeal.

Your appeal should identify the original request and explain why you believe the decision should be reconsidered.

21. Florida Privacy Rights

Florida residents may have privacy rights under applicable Florida law when the relevant law applies to our business or processing activity.

Potential rights may include the right to:

• Confirm whether personal data is being processed;
• Access qualifying personal data;
• Correct inaccuracies;
• Delete qualifying personal data;
• Obtain a portable copy of qualifying personal data; and
• Appeal certain privacy-request decisions.

Nothing in this section represents that every provision of a particular privacy statute applies to Five Star Claims Adjusting. We will honor legally applicable rights and may voluntarily honor reasonable requests even when not legally required.

22. California and Other State Privacy Rights

Residents of California and other states may have additional privacy rights when the relevant law applies to our business or processing activities.

Those rights may include the right to:

• Know the categories or specific pieces of personal information collected;
• Know the sources and purposes of collection;
• Know the categories of third parties receiving personal information;
• Request access, deletion, or correction;
• Request a portable copy of qualifying information;
• Withdraw consent where processing is specifically based on consent;
• Appeal certain decisions where applicable; and
• Not receive unlawful discriminatory treatment for exercising a protected privacy right.

Five Star Claims Adjusting does not sell personal information in exchange for money and does not use personal information for cross-context behavioral advertising.

We will evaluate each request based on your place of residence, the nature of the information, applicable exemptions, and whether the relevant law applies to our business or processing activity.

23. Children’s Privacy

The Website and our public adjusting services are not directed toward children under thirteen (13), and we do not knowingly collect personal information directly from children under thirteen through the Website.

A parent, guardian, policyholder, or authorized representative may provide information relating to a minor when reasonably necessary for an insurance claim, such as information concerning personal property, displacement, or additional living expenses.

If you believe a child has submitted personal information to us without appropriate authorization, contact us so that we may review and address the matter.

24. Third-Party Websites and Services

The Website may contain links to or integrations with third-party websites, applications, portals, mapping services, payment services, insurance-company websites, government resources, and social-media platforms.

Third parties independently determine their privacy and security practices. We are not responsible for a third party’s:

• Privacy policy;
• Data collection or tracking;
• Security practices;
• Content or representations;
• Availability or performance; or
• Use or disclosure of personal information.

Review the privacy policy of each third-party service before providing information directly to that service.

25. Client Portals and Document Platforms

We may use third-party client portals, electronic-signature systems, estimating platforms, cloud-storage services, or document-management platforms.

Information submitted through those platforms may be processed by the platform provider as a service provider to us and may also be subject to the provider’s applicable privacy and security terms.

You are responsible for safeguarding login credentials and using secure devices and networks when accessing a portal.

26. International Visitors

Five Star Claims Adjusting is based in Florida, United States, and our services are directed primarily to insurance claims within jurisdictions where we are authorized to provide services.

If you access the Website from outside the United States, information you provide may be transferred to, processed, and stored in the United States, where privacy laws may differ from those in your location.

27. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our Website, services, technologies, vendors, business practices, or legal obligations.

When changes are made, we will update the “Last Updated” date at the top of this page.

Material changes may also be communicated through a Website notice, email, client portal, or another appropriate method when required by law.

Your continued use of the Website after an updated Privacy Policy is posted constitutes acknowledgment of the updated Policy, subject to any consent rights required by applicable law.

28. Contact Information

Questions, concerns, and privacy requests may be directed to:

Five Star Orlando, LLC
Doing Business As Five Star Claims Adjusting
Florida Adjusting Firm License No. W811078
1060 Maitland Center Commons Boulevard
Suite 310
Maitland, Florida 32751

Telephone: (321) 444-6981
Email: [email protected]
Website: www.kirklandfivestar.com