How Every Guide on This Site Is Researched, Written, and Kept Current
HomeClaimGuide publishes one type of content: practical guidance for homeowners navigating a real property insurance claim. This page explains the standards behind every guide – what qualifies a topic to be covered, how content is written, what we won’t publish, and how we handle updates.
We publish content that helps homeowners protect themselves during a claim – nothing else
HomeClaimGuide covers one subject area: how home insurance claims actually work, from the homeowner’s side. Every topic we cover connects directly to a decision a homeowner faces during an active claim – how to document damage, when to request a re-inspection, whether to hire a public adjuster, what to do when a claim is denied.
We do not publish general insurance education, product reviews, premium comparisons, or content designed to rank for broad insurance keywords. If a topic doesn’t help someone navigate an active claim more effectively, it doesn’t belong on this site.
The editorial filter is simple: would this help a homeowner who filed a claim last week and is trying to figure out what happens next?
Every guide follows the same research and writing process
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Topic selection: A topic enters the queue only if it addresses a specific decision point in the claims process – not because it has high search volume or supports a referral opportunity
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Primary sourcing: Guides are grounded in firsthand claim experience, carrier claims handling guidelines, state DOI bulletins, and policy language – not in summarizing other insurance websites
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Scope discipline: Every guide stays at the process level. We do not advise on specific policy language, give state-specific legal guidance, or make coverage determinations – those require a licensed professional with your actual documents
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Professional escalation flag: Every guide that covers a situation where a public adjuster or attorney may be warranted says so explicitly – including when they’re likely not worth it
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Review before publish: No guide is published until it has been read as a homeowner would read it – not as someone already familiar with insurance terminology
“No referral partner, advertiser, or affiliate network has ever reviewed a draft, requested a change, or been given any influence over what gets published on this site. That’s not a policy we adopted – it’s how the site was built from day one.”
Referral links exist on some pages of this site. They are placed after the editorial decision to cover a topic is made – not before. The presence of a referral opportunity has never caused a topic to be added to the editorial queue, and the absence of one has never caused a topic to be removed.
What we will and won’t publish
These boundaries exist to keep the site useful for homeowners with a real claim – and credible to the professionals who may read it.
| We Publish | We Don’t Publish |
|---|---|
| ✓ Process guidance for active claims – documentation, timelines, adjuster visits, supplements | ✗ Coverage interpretations for specific policies or carriers |
| ✓ Guidance on when to hire a public adjuster or attorney – and when not to | ✗ Legal advice or state-specific legal guidance |
| ✓ Honest assessment of what a professional can and cannot do for a claim | ✗ Sponsored articles, paid placements, or advertiser-influenced content of any kind |
| ✓ Guides updated when carrier practices or regulatory standards materially change | ✗ Content that implies a guaranteed outcome for any claim strategy |
| ✓ Clear disclosure when a page contains a referral link | ✗ General insurance education, policy comparison, or premium guidance |
How we handle corrections and updates
Accuracy matters more than keeping old content live. Here’s how we manage it.
| Situation | What We Do |
|---|---|
| A carrier practice or state regulation materially changes | The affected guide is updated and the “Last Updated” date is revised |
| A factual error is identified in a published guide | The error is corrected promptly – no quiet edits, the correction is noted in the article |
| A referral partner changes, is removed, or no longer meets our standard | The referral link is removed from all pages immediately |
| A reader identifies something that conflicts with their carrier’s actual practice | We investigate and update if the conflict reflects a genuine change in common practice |
| A guide becomes outdated but no replacement is ready | A notice is added to the guide flagging that the information may not reflect current practice |
Affiliate & Independence Disclosure: Some pages on this site contain referral links that earn a fee when a reader connects with a public adjuster or attorney. This revenue funds the site. It does not fund, influence, or determine editorial content. No affiliate partner has approval rights over any content on this site. For full details, see our Affiliate Disclosure.
Questions about our editorial standards?
If you believe something on this site is inaccurate, outdated, or conflicts with your carrier’s actual practice – we want to know. Reach out directly to Rachel.