Our research process is designed to separate general insurance education from policy-specific or state-specific rules.
Source hierarchy
We begin with primary and authoritative sources, including the National Association of Insurance Commissioners, state departments of insurance, FEMA and the National Flood Insurance Program, the Federal Trade Commission, the Consumer Financial Protection Bureau, and official regulations or consumer guides.
Claim-by-claim review
Important factual statements are checked against their supporting source. When a statement applies only to one state, one federal program, or one policy form, the limitation is stated in the article.
AI-assisted tools
We may use AI-assisted tools to organize research, draft outlines, detect repetition, or identify statements that need verification. These tools do not replace source review or editorial responsibility. Published content is reviewed for sourcing, insurance safety, jurisdiction accuracy, readability, and unsupported claims.
Conflicting guidance
When credible sources conflict, we do not invent a universal answer. We explain the conflict, prefer the most authoritative and current source available, and use conservative wording.
Review cycle
Source links and material insurance statements are rechecked during substantive updates. A review date does not guarantee that every policy form or state rule remains unchanged, so readers should confirm current requirements with their insurer and regulator.