How We Work

Last updated: July 23, 2026

Five rules govern everything published on ClaimWise. They are not marketing — they are the reason you can check our work.

Rule 1 — Nothing is invented

We do not publish fictional customer stories, testimonials, reviews, or composite “real cases.” This is both an editorial standard and a legal one: the Federal Trade Commission's Rule on the Use of Consumer Reviews and Testimonials, effective 21 October 2024, prohibits fake reviews and testimonials, including those generated by artificial intelligence.

Every case we discuss comes from a public record — a regulatory enforcement action, a market conduct examination, an official report, or a court filing — and we link to it so you can read the original.

Rule 2 — We explain processes, we do not prescribe

We describe how something works and what the available options are. We do not tell you which policy to buy or what to do about your particular claim. That distinction matters: recommending a specific product for a specific person's circumstances is regulated activity, and we are not licensed to do it.

Rule 3 — No promises about outcomes

We never state or imply that you will win an appeal, recover money, or achieve any particular result. Where success rates exist in published data, we cite the source and describe what the number actually measures.

Rule 4 — Every figure has a primary source

Statistics come from state Departments of Insurance, the National Association of Insurance Commissioners, the Federal Trade Commission, federal agencies, or public court records — and they are linked in the text, not just at the bottom.

We do not cite other blogs, aggregators, affiliate sites, or “industry experts” without attribution as sources of fact.

Rule 5 — We sell nothing

We do not sell insurance, we do not broker quotes, we do not run a lead-generation funnel, and we do not earn a commission when you buy anything. The site is funded by display advertising, which is clearly marked and has no influence on our editorial decisions.

Corrections policy

If something we publish is wrong, we correct it and add a dated note at the foot of the article recording what changed. We do not quietly edit and move on.

If you find an error, please tell us — you do not need to be a lawyer or a company representative for us to take it seriously.

Right of reply

If we write about a company and that company disagrees with our reading of a public record, we will publish their response alongside the article. Contact us and we will handle it promptly.

How our articles are written

  1. We identify a question people actually ask, usually one with a deadline or money attached.
  2. We answer it completely in the first paragraph, before any background.
  3. We go to primary sources — statutes, regulator guidance, official forms — not to other articles.
  4. We check that every number in the piece is linked to where it came from.
  5. We add the limits: what this doesn't cover, where states differ, when to get licensed help.
  6. We date the article and revisit it when the underlying rules change.

Where we use AI, and where we don't

We use software tools to help with research, structure and editing, as most publishers now do. Every page is reviewed by a person before publication, every factual claim is checked against its primary source by a person, and no case, quote or testimonial is ever generated rather than sourced.