CONCRETE ASSURANCE
Subscription Service Terms & Conditions
Effective Date: 9/5/26 (Any changes will be emailed to subscribers with a new request to agree with term changes)
These Subscription Service Terms & Conditions (“Terms”) govern your subscription to Concrete Assurance (“Concrete Assurance,” “we,” “us,” or “our”). By enrolling in a Concrete Assurance subscription, you acknowledge that you have reviewed, understood, and agreed to these Terms.
1. Nature of the Service
Concrete Assurance provides subscription-based concrete safety services designed to identify and address qualifying safety hazards affecting covered concrete surfaces.
The purpose of the subscription is to help address safety-related conditions affecting covered concrete. The subscription is not intended to maintain, beautify, or restore concrete solely for cosmetic or aesthetic purposes.
2. Covered Concrete
Coverage applies only to the concrete surfaces specifically identified, measured, and accepted by Concrete Assurance at the time of enrollment.
Covered surfaces may include:
Sidewalks
Walkways
Driveway aprons
Unless specifically agreed to in writing, coverage does not include foundations, retaining walls, patios, pool decks, steps, asphalt, landscaping, drainage systems, or other property improvements.
Coverage is limited to the enrolled concrete and square footage recorded by Concrete Assurance at the time of enrollment.
3. Waiting Period
Coverage does not begin immediately upon enrollment.
Coverage becomes effective sixty (60) days after the customer’s enrollment date.
Any damage, deterioration, defect, or safety hazard that existed before coverage became effective is considered a pre-existing condition and is not covered.
Concrete Assurance may inspect the covered concrete before or after enrollment to verify the condition and eligibility of the property.
4. Safety Hazards, Not Cosmetic Defects
The subscription covers qualifying safety hazards and is not intended to address cosmetic defects.
Qualifying conditions may include significant cracking, vertical displacement, broken sections, or other deterioration that Concrete Assurance reasonably determines creates a pedestrian safety hazard.
Cosmetic conditions, including minor cracking, discoloration, staining, surface imperfections, or ordinary aesthetic deterioration, are not covered.
Concrete Assurance will determine whether a reported condition qualifies as a covered safety hazard.
5. Pre-Existing Conditions
Concrete Assurance is not responsible for repairing conditions that existed before the effective date of coverage.
Enrollment does not guarantee that existing deterioration will become eligible for repair after the waiting period.
6. Vandalism and Intentional Damage
Damage caused by vandalism, intentional acts, misuse, abuse, or deliberate destruction is not covered.
7. Underlying Causes and Conditions
Concrete Assurance is solely responsible for the repair of the covered concrete itself.
Concrete Assurance is not responsible for correcting, repairing, or paying for any underlying condition that causes or contributes to damage or deterioration of the concrete.
Examples of excluded underlying conditions include, but are not limited to:
Sewer breaks or sewer-line failures
Water-line breaks or leaks
Drainage or grading problems
Soil erosion or settlement
Sinkholes or ground movement
Tree-root intrusion
Foundation or structural problems
Utility failures
Water infiltration
Other subsurface conditions
If an underlying condition is causing or contributing to damage to the covered concrete, the homeowner is responsible for correcting that underlying condition at their own expense.
Concrete Assurance will address the covered concrete after the underlying condition has been corrected and the area is reasonably suitable for the concrete repair.
Concrete Assurance is not responsible for repeated or additional concrete damage caused by an underlying condition that has not been corrected.
8. Damage Caused by Third Parties
If a covered concrete surface is damaged by a third party, including a utility company, contractor, construction company, municipality, delivery company, or other third party, the party responsible for causing the damage remains responsible for the repair.
Concrete Assurance may contact the responsible third party and request that the repair be expedited.
Concrete Assurance will not be responsible for performing or paying for repairs that are the responsibility of the third party.
Concrete Assurance may assist the homeowner by communicating with the responsible party regarding the damage, but such assistance does not transfer responsibility for the damage to Concrete Assurance.
9. Annual Coverage Limit
Each active subscription provides a maximum of $2,500 in covered concrete repair services per twelve (12) month coverage period.
The $2,500 annual limit applies to the total cost of covered repair services provided by Concrete Assurance during the applicable twelve-month period.
The annual limit is not a cash benefit and does not create an obligation for Concrete Assurance to pay the customer the unused portion of the annual limit.
Unused coverage does not roll over from one coverage period to the next.
Once the $2,500 annual limit has been reached, no additional covered repair services are required during that coverage period.
10. Determination of Necessary Repair
When Concrete Assurance determines that a reported condition qualifies as a covered safety hazard, Concrete Assurance will determine the appropriate method of correcting the hazard.
Coverage is intended to address the affected concrete and restore it to a reasonably safe condition.
Concrete Assurance may determine whether the appropriate solution is a localized repair, replacement of an affected section, leveling, removal and replacement, or another reasonable concrete repair method.
Coverage does not automatically require complete replacement of an entire sidewalk, walkway, driveway apron, or other concrete surface when a more limited repair can reasonably address the safety hazard.
Concrete Assurance is not obligated to perform cosmetic improvements or unrelated work in connection with a covered repair.
11. Repair Event and Multiple Hazards
Multiple cracks, breaks, displaced sections, or other safety hazards arising from the same underlying occurrence or condition may be treated as part of a single repair project.
Concrete Assurance will determine the reasonable scope of work necessary to address the covered safety hazard.
12. Natural Causes and Other Exclusions
Unless expressly agreed to otherwise in writing, coverage does not include damage resulting from:
Vandalism or intentional damage
Misuse or abuse
Negligence or intentional acts by the homeowner, tenant, guest, or other person
Unauthorized alterations or repairs
Damage caused by third parties
Sewer or water-line failures
Drainage or grading problems
Soil erosion, settlement, or ground movement
Tree roots
Sinkholes
Flooding or extraordinary water-related events
Foundation or structural problems
Utility failures
Acts of war or other extraordinary events
Conditions outside the reasonable control of Concrete Assurance
13. Customer Responsibilities
The homeowner remains responsible for ordinary care and maintenance of the property.
The homeowner agrees to promptly notify Concrete Assurance of any condition that may constitute a covered safety hazard.
The homeowner is responsible for correcting underlying conditions that are excluded from coverage.
14. Access to Property
The customer must provide Concrete Assurance and its authorized contractors with reasonable access to the property when an inspection or covered repair is necessary.
Failure to provide reasonable access may delay or prevent the performance of covered services.
15. Weather, Permits, and Contractor Availability
Repairs may be delayed because of weather, municipal requirements, permits, material availability, contractor availability, or other circumstances outside the reasonable control of Concrete Assurance.
Concrete Assurance will make reasonable efforts to inspect and schedule covered repairs as soon as reasonably practicable.
16. Subscription Pricing
Subscription pricing is based upon the amount of covered concrete enrolled in the program.
Concrete Assurance reserves the right to adjust subscription pricing by between one percent (1%) and five percent (5%) during each six-month period.
Customers will receive notice of applicable price changes in accordance with applicable law and the customer’s subscription agreement.
17. Billing and Nonpayment
Subscriptions are billed on a recurring basis according to the customer’s selected billing schedule.
If a payment is declined, reversed, or remains unpaid, Concrete Assurance may suspend or terminate coverage after providing any notice required by applicable law.
No covered repair obligation exists while the subscription is inactive or terminated due to nonpayment.
18. Cancellation and Refunds
Customers may cancel their subscription at any time.
Subscription payments are non-refundable.
Upon cancellation, coverage will remain active through the end of the customer’s current paid billing cycle and will expire at the end of that billing cycle.
Cancellation does not entitle the customer to a prorated refund of previously paid subscription fees, except where otherwise required by applicable law.
19. No Guarantee Against Damage
Concrete Assurance does not guarantee that covered concrete will remain free from cracking, deterioration, settlement, movement, or other damage.
The subscription provides access to covered repair services subject to these Terms, including the waiting period, exclusions, annual coverage limit, and other limitations.
20. Property Sale and Transfer
The subscription is associated with the enrolled property and is not automatically transferable to a subsequent property owner.
Any transfer of coverage must be approved by Concrete Assurance in writing.
21. Changes to Terms
Concrete Assurance may modify these Terms from time to time.
Customers will receive notice of material changes in accordance with applicable law.
22. Limitation of Liability
To the fullest extent permitted by applicable law, Concrete Assurance’s obligations are limited to the covered services expressly described in these Terms.
Concrete Assurance is not responsible for indirect, incidental, special, or consequential damages arising from conditions outside the scope of coverage or from the acts or omissions of third parties.
Nothing in these Terms is intended to waive or limit any right or remedy that cannot legally be waived or limited under applicable law.
23. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of New Jersey, except to the extent otherwise required by applicable law.
24. Entire Agreement
These Terms, together with the customer’s subscription agreement, pricing information, property inspection/coverage information, and any other documents expressly incorporated into the subscription, constitute the agreement between the customer and Concrete Assurance regarding the subscription service.
If any provision of these Terms is determined to be unenforceable, the remaining provisions shall remain in effect to the fullest extent permitted by law.
CUSTOMER ACKNOWLEDGMENT
By enrolling in a Concrete Assurance subscription, the customer acknowledges that they have reviewed and agree to these Subscription Service Terms & Conditions, including:
The sixty (60) day waiting period
Coverage for safety hazards rather than cosmetic defects
The $2,500 annual covered repair limit
The exclusion of pre-existing conditions
The exclusion of vandalism and intentional damage
The homeowner’s responsibility for underlying conditions such as sewer, grading, drainage, and soil problems
The exclusion of damage caused by third parties
The subscription pricing adjustment provisions
The non-refundable subscription policy
The cancellation and expiration provisions
Concrete Assurance
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