Editorial policy and author

About the byline

Educational guides use the byline MWC. No professional designation, license number, credential or third-party endorsement is implied by that name. The byline does not certify a property-specific review.

Sources and explanations

We prioritize official agencies, insurance regulators and primary reference material. Guides identify sources, and the reference directory connects sources with the pages using them. A source explains its own subject and jurisdiction; it does not establish that every insurer follows the same rule.

Hypothetical examples illustrate questions. They are not customer stories, predicted claims or evidence of eligibility. The glossary supplies general definitions; the applicable contract and law control an individual situation.

AI assistance and illustrations

AI tools assisted in researching, drafting and checking this website. That process does not establish licensed professional review. Architectural illustrations are AI-generated, labeled and do not depict customer properties or actual insured locations.

Dates and corrections

A displayed revision date records a substantive content change. It is not a claim of first publication, a fresh inspection of a property or a completed review by a licensed professional. Dates do not change simply because a file is uploaded again.

For a correction, call 888-400-1045 and identify the page and statement. Do not send sensitive records through an unconfirmed channel.