Effective Date: january 1 2026

At XL Property & Contracting (“Company,” “we,” “our,” or “us”), we respect your privacy and are committed to protecting the personal information you provide through www.xlprop.com (“Website”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Website or use our services.

By using this Website, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

Personal Information You Provide

When you fill out forms, request estimates, schedule appointments, contact us, or use our services, we may collect:

• Full name

• Email address

• Phone number

• Property address

• Mailing address

• Project details

• Insurance claim-related information

• Any other information you voluntarily submit

Automatically Collected Information

When you visit our Website, we may automatically collect:

• IP address

• Browser type

• Device information

• Pages visited

• Time spent on pages

• Referral source

• Cookies and usage data

2. How We Use Your Information

We may use your information to:

• Respond to inquiries and requests

• Schedule appointments and inspections

• Provide estimates and services

• Communicate project updates

• Assist with insurance-related claims support

• Improve our Website and customer experience

• Send promotional emails, text messages, or offers

• Conduct advertising and remarketing campaigns

• Comply with legal obligations

3. SMS and Phone Communications

By submitting your phone number through our Website, you consent to receive calls, text messages, and automated communications regarding appointments, estimates, promotions, and service updates.

Message and data rates may apply. You may opt out anytime by replying STOP.

4. Cookies and Tracking Technologies

We may use cookies, pixels, and similar technologies including:

• Google Analytics

• Google Ads Tracking

• Facebook Pixel / Meta Pixel

• Call tracking systems

• CRM integrations

These tools help us understand traffic, improve performance, and market our services.

You may disable cookies through your browser settings.

5. Sharing Your Information

We do not sell your personal information.

We may share information with trusted third parties only as necessary to operate our business, such as:

• CRM providers

• Marketing platforms

• Payment processors

• Contractors or subcontractors

• Insurance claim support partners

• Legal or government authorities when required

6. Data Security

We use commercially reasonable safeguards to protect your information. However, no online transmission or storage method is 100% secure.

7. Your Rights and Choices

You may request to:

• Access your personal information

• Correct inaccurate data

• Request deletion of your data

• Opt out of marketing communications

To make a request, contact us using the information below.

8. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for their privacy practices or content.

9. Children’s Privacy

Our Website is not intended for children under 13 years of age. We do not knowingly collect information from children.

10. Changes to This Privacy Policy

We may update this Privacy Policy at any time. Changes will be posted on this page with a revised effective date.

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Terms of Service 

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Effective Date: January 1 2026

Welcome to www.xlprop.com (“Website”), owned and operated by XL Property & Contracting (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of this Website and any services, forms, estimates, scheduling tools, communications, and content offered through the Website.

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. Use of Website

You agree to use this Website only for lawful purposes and in a manner that does not violate the rights of others or restrict their use of the Website.

You may not:

• Use the Website for fraudulent or unlawful activity

• Attempt to gain unauthorized access to systems or data

• Submit false or misleading information

• Interfere with Website functionality or security

• Use automated bots or scraping tools without permission

2. Services Offered

XL Property & Contracting may provide services including, but not limited to:

• Roofing inspections

• Storm damage evaluations

• Insurance claim assistance support

• Roofing repair and replacement

• Exterior construction services

• Residential and commercial contracting

• Real estate-related services

• Estimates and consultations

Service availability may vary by location, project scope, licensing requirements, scheduling, and capacity.

3. No Guarantee of Coverage or Claim Approval

Any storm damage inspection or insurance-related assistance does not guarantee:

• Insurance claim approval

• Full claim payout

• Coverage eligibility

• Repair or replacement authorization

All insurance decisions are made solely by your insurance carrier.

4. Estimates and Pricing

Any estimate, quote, or proposal provided through the Website, by phone, or in person is subject to:

• Property inspection

• Scope verification

• Material pricing changes

• Permit requirements

• Hidden damage discovery

• Final written agreement

Prices may change until a signed contract is executed.

5. Scheduling Appointments

When scheduling inspections or consultations:

• You agree to provide accurate contact information

• Appointment times are subject to change

• We may reschedule due to weather, emergencies, staffing, or access issues

• Missed appointments may require rebooking

6. Communications Consent

By submitting forms or providing your contact information, you consent to receive communications from us by:

• Phone calls

• Text messages

• Email

• Automated reminders or updates

Message and data rates may apply. You may opt out of promotional texts by replying STOP.

7. Intellectual Property

All Website content including text, logos, graphics, layouts, branding, images, and marketing materials are owned by XL Property & Contracting or licensed for use.

You may not copy, reproduce, republish, or exploit content without written permission.

8. Third-Party Tools and Links

This Website may use or link to third-party platforms such as:

• Scheduling software

• Payment processors

• Google services

• Meta/Facebook services

• CRM systems

• External websites

We are not responsible for third-party services, uptime, content, or privacy practices.

9. Disclaimer of Warranties

This Website and its content are provided “as is” and “as available.”

We make no warranties regarding:

• Website availability

• Error-free performance

• Accuracy of all content

• Results from using the Website

10. Limitation of Liability

To the fullest extent permitted by law, XL Property & Contracting shall not be liable for any indirect, incidental, consequential, or special damages arising from:

• Use of the Website

• Inability to use the Website

• Scheduling delays

• Reliance on estimates or information

• Third-party actions

• Insurance claim outcomes

11. Indemnification

You agree to indemnify and hold harmless XL Property & Contracting from claims, damages, liabilities, and expenses arising from your misuse of the Website or violation of these Terms.

12. Governing Law

These Terms shall be governed by the laws of the State of Wisconsin, without regard to conflict of law principles.

Any disputes shall be handled in courts located in Milwaukee County, Wisconsin, unless otherwise required by law.

13. Changes to Terms

We may modify these Terms at any time. Updated versions will be posted on this page with a revised effective date.

Continued use of the Website after changes means acceptance of the updated Terms.

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If you have any questions about this Privacy Policy, please contact us via email at xl@xlprop.com or call us 877-277-6817