Insurance Disclaimer & Terms

General Informational Purposes Only

The information provided on this website, including descriptions of insurance products, coverage types, and agency services, is intended for general informational purposes only. It does not constitute insurance advice, a binding offer of coverage, or a guarantee of any specific insurance product, premium, or benefit. Individual coverage needs, eligibility, and pricing vary and are subject to underwriting review by the applicable insurance carrier.

No Coverage Created by Website Activity

Submitting a quote request, contact form, website inquiry, text message, or voicemail does not:

• Create, bind, or initiate any insurance coverage
• Modify or change any existing insurance policy
• Continue, renew, or reinstate any lapsed or cancelled policy
• Cancel or terminate any existing insurance policy

Insurance coverage is only created, modified, reinstated, or cancelled when a licensed representative of Fortress Insurance Group LLC provides direct written confirmation of the transaction. No action taken through this website, its forms, text messages, or voicemail constitutes a binding insurance transaction.

Coverage Availability, Premiums, and Underwriting

Coverage availability, premiums, eligibility, and underwriting decisions are determined by the applicable insurance carrier and are subject to that carrier's guidelines, rules, and review processes. Fortress Insurance Group LLC is an independent insurance agency and does not guarantee the availability of any specific coverage, premium amount, or underwriting outcome. Insurance products and services described on this website may not be available in every situation or to every applicant.

How Coverage Can Be Bound, Changed, or Cancelled

Coverage may not be bound, changed, reinstated, or cancelled through this website, contact forms, text messages, or voicemail unless direct written confirmation is provided by a licensed representative of Fortress Insurance Group LLC. Customers who need to make changes to their coverage, request cancellation, or reinstate a lapsed policy must speak directly with a licensed representative to initiate and confirm the transaction.

Urgent Claims, Cancellations, and Policy Service

Customers with urgent or time-sensitive policy matters — including but not limited to:

• Filing or following up on a claim
• Requesting cancellation of an active policy
• Reinstating a lapsed or cancelled policy
• Making coverage changes that must take effect immediately
• Questions about existing policy terms, coverage, or documents

— should contact a licensed Fortress representative directly by phone. Do not rely on a website form, text message, or voicemail for time-sensitive policy matters.

Contact Method

Fortress Insurance Group LLC accepts general inquiries by phone or email. Policy service requests, coverage transactions, and binding actions are handled by phone or through a licensed representative only. To speak with an agent, call 505-636-5052 or email [email protected] during business hours.

Accuracy of Website Information

Fortress Insurance Group LLC makes reasonable efforts to keep the information on this website current and accurate. However, insurance products, carrier guidelines, and regulatory requirements change frequently. Information on this website may not reflect the most current carrier offerings or regulatory requirements. Always confirm coverage details, terms, and availability directly with a licensed representative before making any insurance decisions.

New Mexico Licensing Disclosure

Fortress Insurance Group LLC is a licensed insurance agency in the State of New Mexico (Agency License No. 8556786477). Licensed agents operating under this agency are individually licensed by the New Mexico Office of the Superintendent of Insurance (OSI). Consumers with questions or complaints regarding insurance transactions may contact the New Mexico OSI at www.osi.state.nm.us or by calling 1-855-427-5674.

Independent Agency & Compensation Disclosure

Fortress Insurance Group LLC is an independent insurance agency. We represent multiple insurance carriers and are not exclusively affiliated with any single insurer. Our agents may receive commissions, contingency payments, or other compensation from insurance carriers when a policy is placed. The compensation we receive does not increase the premium you pay. We will always work to recommend coverage that is appropriate for your individual needs.

Telephone & Text Message Contact Consent (TCPA)

By submitting a quote request or inquiry through this website and providing your phone number, you expressly consent to be contacted by Fortress Insurance Group LLC at the number provided, including by telephone call or text message (SMS), for the purpose of responding to your request. Standard message and data rates may apply. You are not required to provide consent as a condition of purchasing any insurance product or service. You may withdraw consent at any time by notifying us directly by phone at 505-636-5052.

Third-Party Links and Resources

This website may contain links to third-party websites or resources for informational purposes. Fortress Insurance Group LLC does not control, endorse, or assume responsibility for the content, accuracy, or practices of any third-party website. Accessing third-party links is at your own risk.

Intellectual Property

All content on this website — including text, graphics, logos, images, and page layouts — is the property of Fortress Insurance Group LLC or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or republish any content from this website without prior written permission from Fortress Insurance Group LLC.

Accessibility

Fortress Insurance Group LLC is committed to making this website accessible to all users, including individuals with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you experience difficulty accessing any content on this website or require information in an alternative format, please contact us by phone at 505-636-5052 and we will be happy to assist you.

Limitation of Liability

To the fullest extent permitted by applicable law, Fortress Insurance Group LLC shall not be liable for any damages arising from your use of, or reliance on, information provided on this website. This includes, without limitation, any decisions made based on website content, any failure to obtain coverage, or any coverage gaps resulting from reliance on website information rather than direct consultation with a licensed representative.

Governing Law & Jurisdiction

This disclaimer and your use of this website are governed by and construed in accordance with the laws of the State of New Mexico, without regard to its conflict of law provisions. Any disputes arising from or related to your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Santa Fe County, New Mexico.

Severability

If any provision of this disclaimer is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from the remaining provisions and shall not affect the validity and enforceability of the remaining provisions.

No Guarantee of Savings, Outcomes, or Specific Carriers

Nothing on this website constitutes a guarantee of savings, a specific premium reduction, or a particular insurance outcome. As an independent agency, Fortress Insurance Group LLC works with multiple carriers; however, we do not guarantee placement with any specific carrier, the availability of any particular product, or approval of any application. All quotes are estimates only and are subject to final underwriting review by the applicable carrier.

No Attorney-Client or Fiduciary Relationship

Use of this website, submission of a quote request, or any communication with Fortress Insurance Group LLC does not create an attorney-client relationship, a fiduciary relationship, or any duty beyond that of a licensed insurance producer acting in accordance with applicable New Mexico law. For legal advice regarding insurance coverage disputes or claims, please consult a licensed attorney.

Professional Liability Notice

Fortress Insurance Group LLC and its licensed agents exercise reasonable professional care in the placement of insurance coverage. However, we are not responsible for coverage gaps, exclusions, or claim denials that result from information not disclosed to us, misrepresentations by the applicant, or carrier underwriting decisions outside our control. It is the policyholder's responsibility to review all policy documents upon receipt and notify us promptly of any discrepancies.

Policyholder Responsibility to Review Documents

Upon receipt of any insurance policy, declarations page, endorsement, or renewal notice, it is the policyholder's responsibility to review all documents carefully and contact a licensed Fortress representative immediately if any information is incorrect, incomplete, or does not reflect the coverage requested. Failure to review policy documents promptly may affect coverage and claims outcomes.

Changes to This Disclaimer

Fortress Insurance Group LLC reserves the right to update or modify this Insurance Disclaimer & Terms at any time. Changes are effective upon posting to this page. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this website following any changes constitutes acceptance of the updated terms.

Contact

For questions about this disclaimer or to speak with a licensed representative: