How It Works

Step 1: Become a Member

Joining Castle Shields is a voluntary decision. There is no binding contract, no underwriting process, and no obligation to remain a member. To enroll, simply complete the membership form and agree to abide by the community's Member Guide. You may withdraw from the community at any time, for any reason.

Step 2: Make Monthly Contributions

Members make voluntary monthly contributions to the community's shared fund. These contributions are not premiums. They do not constitute consideration for a contract of insurance, and they do not create any right, entitlement, or expectation of payment. Contribution amounts are outlined in the membership materials and may be adjusted by Castle Shields from time to time.

Step 3: Submit a Sharing Request

When a member experiences an unexpected home event — such as a plumbing failure, electrical issue, or appliance malfunction — the member may submit a sharing request through the Castle Shields member portal. This is not a claim. The member describes the home event, provides any relevant documentation, and requests that the community consider directing shared fund contributions toward the need.

Step 4: Community Review

Castle Shields reviews each sharing request in accordance with the Member Guide to determine whether the described home event aligns with the community's guidelines for eligible needs. This review is not claims adjusting and does not constitute the work of a public adjuster, loss adjuster, or any regulated adjusting function. Castle Shields simply reviews the facts presented by the member against the criteria published in the Member Guide.

Step 5: Voluntary Sharing

If the sharing request describes an eligible need and the shared fund has sufficient resources, contributions from the fund may be voluntarily directed toward the member's need. This sharing is never guaranteed. No member, and no entity within Castle Shields, has a legal or financial obligation to contribute toward any other member's expenses. The amount shared, if any, is determined by the community's guidelines and the availability of funds.

⚠ Important Distinctions

Castle Shields is NOT any of the following:

• Castle Shields is not an insurance company and does not engage in the business of insurance as defined under Texas Insurance Code § 101.051.

• Castle Shields is not a home warranty provider and does not issue service contracts or warranties of any kind.

• Castle Shields does not perform adjusting of any kind and is not a public adjuster as defined under Texas Insurance Code §§ 4001.051 and 4001.101.

• Castle Shields does not operate as a third-party administrator as defined under Texas Insurance Code § 4151.001(1).

• Castle Shields does not transfer risk from members to the organization or any other entity.

• Castle Shields does not underwrite any risk or evaluate risk for the purpose of issuing any form of agreement.

Mandatory Reminder

All cost-sharing through Castle Shields is voluntary. No member and no entity within the Castle Shields community has a legal obligation to contribute toward any member's expenses. Membership does not create a contract, entitlement, or legal right to receive payment. Members remain personally responsible for all home-related expenses at all times.

Castle Shields: Explained

How the Castle Shields Community Model Works

Step 1: Become a Member

Step 2: Make Monthly Contributions

Step 3: Submit a Sharing Request

Step 4: Community Review

Step 5: Voluntary Sharing

⚠ Important Distinctions

Mandatory Reminder

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