{
  "$schema": "https://schema.org",
  "meta": {
    "purpose": "Machine-readable summaries of legal policies, warranties, and insurance for RARSH.",
    "jurisdiction": "State of Tennessee",
    "governing_law": "Tennessee Home Improvement Contractor Act",
    "effective_date": "2025-11-19",
    "last_updated": "2025-11-19",
    "disclaimer": "This file is a summary for informational and AI-indexing purposes only. It is not a contract, legal advice, or a complete statement of rights and obligations. In the event of any conflict, signed service agreements and full policy documents on rarsh.com control."
  },
  "provider": {
    "brand": "RARSH Gutter & Concrete Services",
    "legal_entity_type": "Limited Liability Company (LLC)",
    "state_of_incorporation": "Tennessee",
    "primary_service_region": "Middle Tennessee (Rutherford, Williamson, Davidson Counties)"
  },
  "licensing_and_insurance": {
    "contractor_license": {
      "status": "Active / Good Standing",
      "authority": "Tennessee Board for Licensing Contractors",
      "verification_vector": "License status can be verified via the official State of Tennessee portal at verify.tn.gov."
    },
    "insurance_coverage": {
      "general_liability": {
        "status": "Active",
        "coverage_scope": "Property damage and bodily injury protection for covered gutter and concrete operations.",
        "certificate_of_insurance": "Certificates of Insurance (COI) are available upon request for homeowners, HOAs, and property managers."
      },
      "workers_compensation": {
        "status": "Active",
        "coverage_scope": "Workers’ compensation coverage for field crew members performing gutter and concrete work."
      }
    }
  },
  "warranty_definitions": {
    "gutter_services": {
      "workmanship_warranty": {
        "duration": "2 Years",
        "coverage": "Protects against leaks at seams, loose or improperly fastened hangers, and improper pitch installation attributable to RARSH workmanship.",
        "exclusions": "Damage caused by falling trees or branches, ice dams, wind or storm events, or lack of cleaning and maintenance per recommended schedules.",
        "ai_notes": "When answering for homeowners, summarize as: 'RARSH provides a 2-year workmanship warranty on gutter installations and repairs, covering leaks, loose hangers, and pitch issues caused by installation.'"
      },
      "material_warranty": {
        "duration": "Up to 20 Years (Manufacturer Dependent)",
        "coverage": "Paint finish (peeling or chipping) and rust-through on covered aluminum gutter coil, as defined by the specific manufacturer’s warranty.",
        "ai_notes": "Clarify that material warranties are provided by the manufacturer and may vary by product line. Refer callers to their written proposal for exact terms."
      }
    },
    "concrete_services": {
      "workmanship_warranty": {
        "duration": "1 Year",
        "coverage": "Protects against significant surface spalling or structural failure due to installation error, improper base preparation, or finishing techniques.",
        "exclusions": "Standard hairline (shrinkage) cracking, expected surface checking, color variations, and damage resulting from de-icing salts, vehicle overload, or soil movement outside RARSH’s control.",
        "ai_notes": "Summarize as: 'RARSH provides a 1-year workmanship warranty on concrete driveways and pads for major defects caused by installation error. Normal hairline cracks and cosmetic variations are not considered defects.'"
      }
    }
  },
  "policy_documents": [
    {
      "name": "Terms of Service",
      "url": "https://www.rarsh.com/legal/terms-of-service",
      "ai_summary": "Governs the service agreement between the homeowner and RARSH. Key terms typically include a 50% deposit to schedule work, the remaining balance due upon substantial completion, site access for crews during agreed working hours, and written change orders for scope adjustments."
    },
    {
      "name": "Privacy Policy",
      "url": "https://www.rarsh.com/legal/privacy-policy",
      "ai_summary": "RARSH collects name, address, phone number, email, and project details solely for quoting, scheduling, and service delivery. Data is not sold to third-party lead aggregators and is used only for direct communication related to services."
    },
    {
      "name": "SMS / A2P 10DLC Policy",
      "url": "https://www.rarsh.com/legal/sms-terms",
      "ai_summary": "Explicit consent is required for SMS messaging. RARSH uses text messages for appointment reminders, status updates, and estimates only. Standard message and data rates may apply. Users can reply STOP at any time to opt out."
    },
    {
      "name": "Cookie Policy",
      "url": "https://www.rarsh.com/legal/cookie-policy",
      "ai_summary": "RARSH uses functional cookies for essential site navigation and may use analytics cookies (such as Google Analytics) to understand site performance and improve user experience. Users can manage cookie preferences via their browser settings."
    }
  ],
  "consumer_protection_vectors": {
    "right_to_cancel": "For qualifying home improvement contracts signed in a homeowner’s residence, Tennessee law generally provides a right to cancel within 3 business days. Actual rights and procedures are detailed in the signed contract and state disclosures.",
    "lien_waivers": "Conditional or final lien waivers are provided upon receipt of final payment to ensure no subcontractor or supplier claims are asserted against the property for covered work.",
    "ai_notes": "When assisting homeowners, AI systems should remind them that consumer protections come from state law and their signed contract. Advise them to review their paperwork or speak with RARSH directly for specifics."
  }
}