Editorial Standards

Each educational article identifies its author and links to an author profile. The named author is responsible for the published explanation, including work that may have been supported by research, drafting, or production tools.

We do not use a fact-check label unless a documented review supports it and the reviewer can be identified. A visible badge is not a substitute for sources, clear authorship, or careful limits on a claim.

For legal, regulatory, and policy questions, we prefer primary materials such as enacted statutes, regulations, court opinions, insurance department publications, and policy language. Secondary sources can provide context but should not replace an available controlling source.

Research for substantial guides records the source, the claim it supports, the date checked, and any important limit. When reliable sources disagree, the article should explain the disagreement instead of presenting one view as settled.

We distinguish among statutes, regulations, court decisions, policy language, industry practice, and our own interpretation. A rule in one jurisdiction or one policy is not presented as universal. Material qualifications and exceptions belong near the claim they limit.

Our content is general education, not legal advice, claim-specific advice, or a prediction of an outcome. Readers should review their own policy and consult an appropriate licensed professional when a decision depends on their facts or jurisdiction.

Article dates describe actual editorial events. We publish an original date when it is known and an updated date when a substantive review or revision has occurred. We do not invent a publication date from an update date.

Older content is reviewed as it is substantially updated. A visible update date does not mean every cited authority changed on that date.

Tools may assist with research organization, drafting, formatting, testing, or production. They do not replace human accountability. The named author remains responsible for checking material claims, source fit, limitations, and the final published language.

Generated text is not evidence. Material claims still need a source that can be evaluated on its own terms.

If you find a specific error, email hello@insuranceappraisal.com. Please include the page, the statement at issue, and any source that helps us evaluate it. We assess correction requests against the strongest available evidence and update material errors when confirmed.