The Spartan Guarantee – Deductible Upfront Protection

By signing the Advance Work Authorization & Direction to Pay and agreeing to the terms below, Spartan Restoration Inc. (“Spartan”) provides the following ironclad guarantee to the property owner (“Customer”):

1. You Open a Claim – We Handle the Rest You agree to promptly open an insurance claim for the covered loss with your insurance carrier. Spartan will work directly with your insurer to document, scope, and submit all necessary information to support approval and payment of the claim.
2. Upfront Mitigation Fee – Mitigation Work Begins Immediately Upon execution of this Guarantee and the Advance Work Authorization, you pay the Upfront Mitigation Fee in full (amount stated above).
   • If insurance approves and pays: This fee is applied as your insurance deductible.
   • If insurance denies or pays nothing: This fee covers emergency mitigation services already performed (e.g., water extraction, drying, board-up, tarping, mold remediation, pack-out). No additional payment is ever required from you.
3. If Insurance Pays – That’s Full Payment to Spartan Any and all insurance proceeds approved and paid for Spartan’s mitigation and emergency services—whether in full or in part—shall be accepted by Spartan as payment in full for all mitigation work performed. The Upfront Mitigation Fee is your only out-of-pocket cost.
4. If Insurance Denies or Underpays – We Fight at Our Expense In the event your insurance company denies coverage, delays payment, or approves less than the full scope of necessary mitigation work:
   • Spartan will retain, at its sole expense, an attorney to appeal, negotiate, or litigate the claim on your behalf.
   • You are not responsible for any legal, adjustment, or expert fees.
   • Spartan will continue to pursue full recovery from your insurer.
   • You owe nothing beyond the Upfront Mitigation Fee already paid.
5. Upfront Fee-Only Liability – Mitigation Only This Guarantee applies exclusively to emergency mitigation, drying, and remediation services. Reconstruction, rebuilding, or cosmetic repairs are NOT included in this Guarantee.
   • Your total financial responsibility is limited to the Upfront Mitigation Fee.
   • This fee is non-refundable and compensates Spartan for emergency services performed.
   • Spartan does not waive, rebate, or absorb any portion of this fee.
   • If insurance pays, this fee satisfies your policy deductible obligation for mitigation only.
   • The Upfront Mitigation Fee compensates Spartan for emergency services performed. It is not contingent on insurance approval. If insurance later pays, this fee satisfies the policy deductible for mitigation services.
   • This Guarantee overrides any conflicting payment terms in prior agreements with respect to mitigation services only.
6. Assignment of Benefits Applies As outlined in the Advance Work Authorization, you irrevocably direct your insurer to pay Spartan directly and assign all applicable insurance benefits to Spartan for the mitigation work performed.
7. Cancellation Rights Preserved You retain your full right to cancel the Advance Work Authorization within three (3) business days of signing, per New York law. If canceled after work has begun, the Upfront Mitigation Fee is non-refundable as it covers initial emergency mitigation services rendered prior to cancellation.

Customer Acknowledgment

I have read, understand, and accept The Spartan Guarantee. I agree to pay the Upfront Mitigation Fee to begin emergency mitigation work and to open and pursue an insurance claim in good faith. I authorize Spartan to represent my interests with my insurance company.

I understand:

• This Guarantee covers only mitigation and emergency services (e.g., water removal, drying, mold remediation).
• Reconstruction or rebuilding is NOT included and may require a separate agreement.
• This fee becomes my deductible if insurance pays for mitigation.
• This fee covers services rendered if insurance denies.
• I owe nothing else for mitigation — ever.