Last Updated: 1.6.25
Licensing and Carrier Information; Producer Compensation Disclosure
Licensing Information
It is generally a requirement that any person who sells, solicits or negotiates insurance transactions be licensed in every state in which they operate. Our licensure status on a state-by-state basis is set forth below. Any solicitations to apply for insurance and applications for insurance are made through Roam Insurance Services LLC via its Manager and Designated Responsible Licensed Producer, whose licensure status is listed below.
Alabama
Property, Casualty, Surplus Lines, 3003386790
Colorado
Property, Casualty, Surplus Lines, 868465
Florida
Property, Casualty, L129068
Georgia
Property, Casualty, 238158
Hawaii
Property, Casualty, Surplus Lines, 3003373732
North Carolina
Property, Casualty, Surplus Lines, 3003374077
Nevada
Property, Casualty, Surplus Lines, 4061131
South Carolina
Property, Casualty, 3003373696
Tennessee
Property, Casualty, 3003373742
Oregon
Property, Casualty, Surplus Lines, 3003442247
Utah
Property, Casualty, Surplus Lines, 1057478
Virginia
Property, Casualty, Surplus Lines, 161933
Wyoming
Property, Casualty, Surplus Lines, 616734
Producer Compensation Disclosure
Roam Insurance Services LLC receives compensation from insurance carriers based on the type and amount of insurance coverage sold and the amount of premium dollars paid.
At your request, we will provide further information about the compensation we expect to receive for your purchase of a specific insurance policy through us.
Fraud Warning
General Notice
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any material fact thereto, commits a fraudulent insurance act, and may be subject to fines, restitution, or confinement in prison, or any combination thereof.
The specific fraud warnings listed below are applicable in the following states: AL, AK, AZ, AR, CA, CO, DE, DC, FL, IN, KY, LA, ME, MD, MN, NH, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA and WV. If you are located in one of these states, please take time to review the appropriate warning prior to submitting your application or claim.
ALABAMA:
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution, fines, or confinement in prison, or any combination thereof.
ALASKA:
Any person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.
ARIZONA:
For your protection, Arizona law requires the following statement: Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.
ARKANSAS:
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
CALIFORNIA:
For your protection, California law requires the following statement: Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
COLORADO:
It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
DELAWARE:
Any person who knowingly, and with intent to injure, defraud or deceive any insurer, files a statement of claim containing any false, incomplete or misleading information is guilty of a felony.
DISTRICT OF COLUMBIA:
WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
FLORIDA:
Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.
INDIANA:
A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.
KENTUCKY:
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime.
LOUISIANA:
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
MAINE:
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines or a denial of insurance benefits.
MARYLAND:
Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
MINNESOTA:
A person who files a claim with intent to defraud or helps commit a fraud against an insurer is guilty of a crime.
NEW HAMPSHIRE:
Any person who, with a purpose to injure, defraud or deceive any insurance company, files a statement of claim containing any false, incomplete or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.
NEW JERSEY:
Any person who knowingly files a statement of claim containing any false or misleading information is subject to criminal and civil penalties.
NEW MEXICO:
ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES.
NEW YORK:
Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.
OHIO:
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
OKLAHOMA:
WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
OREGON:
Any person who knowingly and with intent to defraud or solicit another to defraud an insurer: (1) by submitting an application, or (2) by filing a claim containing a false statement as to any material fact thereto, may be committing a fraudulent insurance act, which may be a crime and may subject the person to criminal and civil penalties.
PENNSYLVANIA:
Any person who knowingly and with intent to injure or defraud any insurer files an application or claim containing any false, incomplete or misleading information shall, upon conviction, be subject to imprisonment for up to seven years and a fine of up to $15,000.
RHODE ISLAND:
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
TENNESSEE:
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
TEXAS:
Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
VIRGINIA:
It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of insurance benefits.
WASHINGTON:
It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment, fines, or denial of insurance benefits.
WEST VIRGINIA:
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Other Applicable Laws
Fair Housing Act
The Fair Housing Act prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status, and disability.
Americans with Disabilities Act
The Americans with Disabilities Act prohibits discrimination and ensures equal opportunity for persons with disabilities in employment, state and local government services, public accommodations, commercial facilities, and transportation.
State and Local Laws
State and local laws often provide broader coverage and prohibit discrimination based on additional classes not covered by Federal law.
Consent to Electronic Communications and Signatures
Under the terms of The Electronic Signatures in Global and National Commerce Act of 2000, you are providing consent to electronic transactions, including providing you with insurance policy documents electronically by submission of an application and payment of premium. You will receive all of your insurance policy documents from us electronically, as permitted by law. Insurance policy documents in electronic format will have the same contractual force and effect as insurance policy documents in paper format.
The notices or documents or categories of notices or documents that may be delivered by electronic means during the course of your relationship with us include the following:
• Declarations Page
• Policy documents, including any applicable endorsements
• Renewal Notice
• Cancellation Notice
• Non-Renewal Notice
• Other Important Notices
• Other state-specific notices
Where any policy document or notice is required to be mailed by state law, it will be mailed to you although you may also receive an electronic copy as a courtesy.
At any time, you may access insurance policy documents electronically. In order to access documents electronically, you must have: (i) a computer or smart device capable of connecting to the internet; (ii) internet service; (iii) a browser capable of viewing our website (iv) an e-mail service account that allows you to read, write, and send e-mail; and (v) the ability to use hyperlinks to access other websites (collectively referred to as the “Technical Requirements”). You must have the Technical Requirements to download, display, print, and retain insurance policy documents in Adobe Portable Display Format. Once you purchase your policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view insurance policy documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive insurance policy documents electronically.
To update information needed to contact you electronically (your email address), simply email us at sasha@goroam.io.
To withdraw your consent, please contact at sasha@goroam.io with the following subject line: WITHDRAW ELECTRONIC CONSENT. The body of your e-mail must contain your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal and whether you want (a) all communications to be in paper form and (b) your insurance policy to be sent to you in paper form.