Want to Opt Out? If you choose to opt out, you agree to personally cover any and all damages caused by accidents or incidents due to negligence you’re involved in—whether alone or as part of the chapter. This includes everything from fire and water damage to smoke, pet incidents, and more. Members have until the end of the current month upon onboarding completion to opt out—but doing so means you're fully liable for any costs that arise. Are you sure you want to take that risk?