Last Updated: December 19, 2025
Welcome to Spinka Insurance. By accessing or using our website, requesting a quote, purchasing a policy, or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not use our services.
These terms apply to all users, including visitors, customers, and anyone who accesses our website or interacts with our services. Spinka Insurance reserves the right to update, modify, or replace these terms at any time. Your continued use of our services after any changes constitutes acceptance of the new terms.
Spinka Insurance provides home insurance services including quotes, policy issuance, claims processing, and customer support. Our services are intended for lawful use only.
All insurance policies are subject to underwriting approval and the terms outlined in your policy documents. The information provided on our website is for general informational purposes only and does not constitute a binding offer or guarantee of coverage.
When you apply for a policy, you must provide accurate and complete information about yourself and your property. Misrepresentation or omission of material facts may result in denial of coverage or cancellation of your policy.
Your policy becomes effective only after your application is approved, payment is received, and you receive confirmation from Spinka Insurance. Coverage details, limits, exclusions, and conditions are outlined in your policy documents.
You may request changes to your policy at any time, subject to underwriting approval. Changes may affect your premium and coverage. Any modifications will be documented in writing and provided to you.
As a user of Spinka Insurance services, you agree to the following obligations:
Payment for insurance premiums is required to activate and maintain coverage. We accept various payment methods including credit cards, debit cards, and bank transfers.
Premiums may be paid annually, semi-annually, quarterly, or monthly, depending on your policy. Payment is due on the date specified in your policy documents. Failure to pay premiums may result in suspension or cancellation of coverage.
Many policies are set to automatically renew at the end of each policy term. You will receive advance notice of renewal and any changes to your premium. You may cancel automatic renewal at any time by contacting us.
If you cancel your policy, you may be entitled to a refund of unearned premium, subject to applicable fees and regulations. Refund amounts are calculated based on the time remaining in your policy term.
If you experience a covered loss, you must report it to Spinka Insurance as soon as possible. The claims process includes the following steps:
Contact our claims department by phone or email to report damage or loss. Provide detailed information about the incident, including the date, time, cause, and extent of damage.
You must provide supporting documentation such as photos, receipts, repair estimates, and police reports if applicable. Failure to provide adequate documentation may delay or affect your claim.
We may assign an adjuster to inspect the damage and verify your claim. You agree to cooperate fully with the investigation and provide access to your property as needed.
Once your claim is approved, we will issue payment according to your policy terms. Settlement amounts are based on the actual cost of repairs or replacement, subject to policy limits and deductibles.
Spinka Insurance is committed to providing reliable service, but we cannot be held liable for certain circumstances beyond our control.
We strive to maintain continuous availability of our website and services, but we do not guarantee uninterrupted access. We are not liable for any losses resulting from website downtime, technical issues, or service interruptions.
Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Use of third-party services is at your own risk.
Spinka Insurance is not liable for indirect, incidental, consequential, or punitive damages arising from your use of our services or any claim denial or delay, except as required by law.
If you have a dispute with Spinka Insurance, we encourage you to contact us first to resolve the matter informally. If informal resolution is not successful, the following provisions apply:
Any disputes arising from these terms or your use of our services may be subject to binding arbitration in accordance with the rules of the American Arbitration Association. By agreeing to these terms, you waive your right to pursue disputes in court, except as otherwise required by law.
You agree to resolve disputes on an individual basis and waive your right to participate in class action lawsuits or class-wide arbitration.
These terms are governed by the laws of the State of Louisiana, without regard to conflict of law principles. Any legal action must be brought in the state or federal courts located in Louisiana.
Spinka Insurance reserves the right to suspend or terminate your access to our services at any time, with or without cause, including if you violate these terms or engage in fraudulent activity. Upon termination, your right to use our services will immediately cease.
You may cancel your policy at any time by contacting us. Cancellation terms and any applicable refunds are outlined in your policy documents.
We may update these Terms and Conditions from time to time to reflect changes in our services, legal requirements, or business practices. When we make significant changes, we will post the updated terms on our website and update the "Last Updated" date at the top of this page.
Your continued use of our services after any changes constitutes acceptance of the new terms. If you do not agree with the updated terms, you must discontinue use of our services.
All content on the Spinka Insurance website, including text, images, logos, graphics, and software, is the property of Spinka Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the intent of the original provision.
If you have questions or concerns about these Terms and Conditions, please contact us:
Email: [email protected]
Phone: +1 (504) 203-6499
Address: 1901 Manhattan Boulevard Harvey, Harvey, LA 70058