AMRefinery – Insurance Reimagined

AMRefinery
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We Want to Protect You!

We are looking for 1,000 American Modern® Homeowners policyholders in Alabama,Colorado, and Ohio to participate in an exciting water-sensor pilot!  Participants will receive a free water sensor! Only the first 1,000 eligible policyholders will be able to participate in the pilot. Interested in Participating?  

American Modern prides itself in being your insurer. That is why we are looking at new ways to enhance your insurance experience.  We have been busy exploring new ways to leverage technology that could help you keep your home more safe and secure. We know there is nothing worse than suffering a loss and the stress and anxiety that is creates. That is why we are excited to announce that we will be launching a water sensor pilot in Alabama, Colorado, and Ohio! 

Enroll in the Pilot

AMERICAN MODERN®
PILOT PARTICIPATION AGREEMENT

This Pilot Participation Agreement (“Agreement”) contains the terms and conditions regarding your participation in a technology pilot program (the “Pilot”) being conducted by American Modern Insurance Group, Inc. (“American Modern”). By signing below, you acknowledge and agree that that you have carefully read, understood, and agree to be bound by all of the terms and conditions of this Agreement.

1. Eligibility. Participation in the Pilot is subject to eligibility verification and only one participant per household may participate. I am a policyholder of an American Modern® Homeowners policy. I am a resident either Alabama, Colorado, or Ohio and over 18 years old. I agree that American Modern reserves the right to determines whether or not I qualify as a participant in the Pilot.

2. Equipment & Monitoring. American Modern will provide you free of charge with certain water monitoring and control technology or equipment (“Equipment”) from one or more Equipment Providers designed for installation on either the main water supply meter or around fixtures or appliances that utilize or constitute the plumbing system at your personal residence. Installation will vary depending upon the Equipment. American Modern will purchase the Equipment directly and the Equipment Provider will provide it to you. If the Equipment requires batteries, the Equipment Provider will also provide you with one (1) set of batteries. The Equipment includes one or more smart devices with sensors and comes with remote monitoring services. 3. Installation. The Equipment Provider will instruct you on the proper installation of the Equipment. You will be responsible for installing the Equipment. You represent that you own the property where the Equipment is to be installed and to the extent applicable, you have received consent to such access and installation from any other owners or interested parties of the property. 4. Obligations. You are under no obligation to purchase any Equipment or services; however, the Equipment will need an internet connection to operate, and providing such internet connectivity at your expense is your responsibility. You agree to maintain a reasonably consistent Wi-Fi / internet connection so that the Equipment may function as intended. The Equipment may also require batteries, which you agree to provide if the batteries provided with the Equipment require replacement. You agree not to remove, destroy, reverse engineer, tamper with or modify the Equipment during the term of this Pilot. In the event the Equipment senses certain conditions (e.g., irregular consumption or presence of moisture or water) at your residence during the Pilot, the Equipment provider or American Modern may alert you. However, there is no guarantee that you will receive any such alert, even if certain conditions are sensed, or that any such alert or the Equipment will prevent any type of loss or occurrence. Taking any action, including any preventative action, is your responsibility. 5. Ownership. Title to the Equipment will transfer to you automatically without any further action upon the Equipment Provider’s delivery of such Equipment to you. You will keep the Equipment upon conclusion or termination of the Pilot. Neither American Modern nor the Equipment Provider has any obligation to remove the Equipment or to reimburse you in any way for removal of the Equipment. 6. App Access. During the term of the Pilot you will be provided with free access to the Equipment Provider’s mobile app (the “App”) allowing you and the third-party Equipment Provider to remotely monitor Equipment Data from your residence. The App may be provided by the Equipment Provider or another third party. Prior to accessing the App, you will need to acknowledge the standard terms of use and privacy notice for the App. To properly assess the Pilot, American Modern needs to monitor and assess the sensor Data collected by the Equipment at your residence. By signing below you: (i) agree to provide American Modern access to the Data collected through the App by the Equipment at your residence during the term of the Pilot, (ii) give permission to the Equipment Provider to provide American Modern with direct access to your Data, as American Modern may deem appropriate during the term of the Pilot, and (iii) acknowledge that due to your participation in the Pilot you understand and agree that American Modern may collect from you, and will have access to, information and data about you that it otherwise would not have and/or that it does not necessarily collect from other customers. American Modern may use, store, access, and disseminate any and all information it accesses, collects or learns during the Pilot, including any such data, as American Modern sees fit. 7. Participation. The Pilot will commence upon your installation of Equipment and automatically terminate on the date that is twelve (12) months after such installation date, unless the Pilot is extended by agreement between you and American Modern, or otherwise terminated in accordance with this paragraph. The Pilot (including any App access) may be terminated by American Modern for any reason or no reason, including but not limited to you failure to comply with the terms of this Agreement or if American Modern determines that the continuation of the Pilot is impossible or impractical for any reason, without notice. Upon conclusion or termination of the Pilot you shall be responsible for the Equipment and any costs related to the Equipment (e.g., costs for monitoring services, maintenance, installation of newer device version, removal, internet access and App access) thereafter should you opt to keep using it. 8. Costs. American Modern will be responsible for all costs associated with the purchase of the Equipment, as well as all costs associated with your App access during the Pilot. You remain responsible for your standard utility and electrical, battery, and internet costs necessary for the Equipment to operate. If the Equipment fails or malfunctions during or after the term of the Pilot, American Modern is not responsible for replacing or fixing such Equipment. American Modern may in the future make you aware that newer versions of the Equipment are available from the Equipment Provider. If you decide to replace the Equipment provided with the newer versions, all costs associated therewith (purchase of newer Equipment, removal of the Equipment, installation of newer Equipment, monitoring, maintenance, App access, etc.) will be your responsibility. In no event will American Modern be responsible for reimbursing you for any costs or expenses unless American Modern has specifically agreed in writing to do so. 9. Feedback. Your opinion, expertise and feedback are critical to the assessment of the Pilot. Therefore, American Modern may from time to time request your feedback, including through questionnaires or surveys, which you agree to complete. 10. Consent to be Called. You give your permission to American Modern to send autodialed and pre-recorded and artificial voice calls and/or text messages to the telephone numbers that you have provided to American Modern in connection with the Pilot or your policy and in your sign-up/registration forms. 11. Liability. You recognize and acknowledge that this is a trial pilot only; accordingly, neither American Modern nor any of its employees, agents, contractors, or affiliates (i) make any warranties, representations or guarantees regarding the Pilot, including without limitation the success of the Pilot, prevention of any losses or occurrences, or any savings, the Equipment, the App, third party installers, quality, safety, performance, or any other aspects of the Pilot or the Equipment; (ii) guarantee that the Equipment will be satisfactory to you, will function properly, or that the operation of the Equipment will be uninterrupted or error free, or (iii) are liable to you in any way for any losses, claims or damages arising from this Pilot, including without limitation Equipment malfunctions or installations. American Modern expressly disclaims any such liabilities, representations, warranties and guarantees. American Modern WILL NOT HAVE ANY LIABILITY ARISING OUT OF OR IN ANY WAY RELATED TO YOUR PARTICIPATION IN THE PILOT, INCLUDING THE INSTALLATION, OR YOUR USE OF, THE EQUIPMENT, OR ANY LOSS OF YOUR PERSONAL INFORMATION RESULTING FROM A COMPROMISE OF THE EQUIPMENT BY A HACKER OR ANY OTHER UNAUTHORIZED THIRD PARTY. TO THE FULLEST EXTENT PERMITTED BY LAW AMERICAN MODERN SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS OR REVENUE; LOSS OF USE; LOSS OF OPPORTUNITY; LOSS OF GOOD WILL; COST OF SUBSTITUTE FACILITIES, GOODS OR SERVICES; COST OF CAPITAL; GOVERNMENTAL AND REGULATORY SANCTIONS; AND CLAIMS OF THIRD PARTIES FOR SUCH DAMAGES. AMERICAN MODERN EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER STATUTORY, ORAL, WRITTEN, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 12. Miscellaneous. This is a legally binding Agreement that supersedes any proposal, prior agreement or understanding, oral or written, and any other communication between you, American Modern relating to the Pilot. No act, document, usage or custom will be deemed to modify or amend this Agreement in any way. Ohio law will govern this Agreement and the transactions it contemplates, without reference to rules regarding conflicts of law. Effective January 9, 2018

Pilot is subject to eligibility, verification, and program terms. Pilot is only available to American Modern® Homeowner’s policyholders who are residents of either Alabama, Colorado, or Ohio and over 18 years old. One participant per household. Participation and supplies are first-come, first-served. Supplies are limited, only the first 1,000 eligible respondents will be able to participate and receive pilot device. Installation is the responsibility of the participant. American Modern reserves the right to discontinue the pilot at any time, for any reason, and without notice.Insurance coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8).

© 2018 American Modern Insurance Group, Inc. All rights reserved. Al