Calling loss leads without getting sued.

The honest position, and why it sells better

Some lead services promise to strip risky numbers out for you: "every number scrubbed, TCPA numbers removed automatically." Then they hand you a product that shows the numbers anyway. That gap between the promise and the product is exactly the document a plaintiff's lawyer wants if a customer ever draws a complaint.

We do it the other way, on purpose. We do not hide numbers from you. We put a label on each one so you know what you are looking at, and you, a licensed professional, decide who to call. Information, not a filter you have to trust blindly.

This is not legal advice. It is how the tool works and a general overview of the rules. Confirm your own obligations with counsel and your state regulator.

The three rules that matter

1. The TCPA

The Telephone Consumer Protection Act governs how you can call and text consumers. The parts that matter for cold outreach to a loss: no autodialers and no prerecorded or AI voice without consent, and honoring any request to stop. Manual dialing by a live person is a different posture from a dialer campaign. IncidentLead never dials for you; tapping a number opens your own phone's dialer, and you place the call.

2. The National Do-Not-Call registry

Numbers on the National DNC registry should not receive telemarketing calls. We check every number against the registry and known-litigator lists, and we label the ones that come back listed. We do not delete them from your view, because whether a given call is permitted can depend on your relationship and your state. The label tells you; the decision is yours.

3. Calling hours

Federal rules restrict telemarketing calls to the window below, in the called party's local time, not yours. Several states are stricter. IncidentLead shows you the property's local time and a calling-hours notice; it does not block the number, because informing a homeowner that help is available is not the same act as a sales dial, and the caller is responsible for when they dial.

General overview, current as of 2026. Windows vary by state and change; verify before you rely on them.

How IncidentLead labels each number

Every number on a lead carries one of these, sorted so the cleanest dial is the obvious one:

• Clean. Nothing flagged. Best number to try first.
• On a DNC registry. Listed on the National Do-Not-Call registry or a litigator list. Shown, labeled, your call.
• Disconnected. The line looks dead. Kept for the record, not worth dialing.
• Opted out. This person asked, through us, not to be called. This one we do hard-suppress.

We also suppress deceased owners entirely, so you never cold-call a grieving family. Before anyone gets an account, they accept a compliance acknowledgment covering manual dialing by a live person, DNC scrubbing, and permitted hours.

Your side of it

The signed acknowledgment covers your judgment as a licensed professional, not a promise we make to the property owner. In plain terms:

1. Dial manually, as a live person. No autodialers, no prerecorded or AI voice.
2. Respect the calling window in the property's local time.
3. Read the label before you dial, and skip what your judgment and your state say to skip.
4. Honor any request to stop, immediately.