This section works differently from the rest of the site. Every article here is built on a public, verifiable record: a state Department of Insurance enforcement action, a court filing, a market conduct examination, or an official regulatory report. Every source is linked.
We do this for two reasons. First, because invented stories are both dishonest and illegal — the Federal Trade Commission's rule on consumer reviews and testimonials prohibits fabricated accounts, including AI-generated ones, with substantial civil penalties. Second, because real regulatory records are more useful than anecdotes: they show patterns, they name the conduct that regulators actually sanction, and anyone can check them.
No article appears in this section without a verified link to the primary source. If a document is removed or superseded, we note it. If a company disputes our reading of a public record, we publish their response.
We're writing this section carefully rather than quickly — every guide is checked against primary sources before it goes up. Check back shortly, or start with another section from the menu above.
This page explains a general process. It is not advice about your specific policy or claim. Insurance rules vary by state and by policy, and they change.
Read your own policy documents, and for anything with money or deadlines at stake, talk to a licensed agent, a licensed public adjuster, or your state Department of Insurance — contacting your Department of Insurance is free.