Free for homeowners. Requests are never sold or auctioned.

Insurance Repair Help

Editorial policy

How we research repair and underwriting guidance

Public guidance should make uncertainty visible. We separate safety information, local code, insurance eligibility, and policy coverage because each comes from a different authority.

Source order

We start as close to the governing document or agency as public access allows.

1

Primary requirements

Carrier letters, policy or underwriting documents, government safety notices, adopted codes, permit offices, and utilities.

2

Technical context

Recognized safety organizations, manufacturer documents, and official inspection or licensing guidance.

3

Secondary context

Trade publications and contractor materials used only when the claim is clearly attributed and independently checked where possible.

4

Anecdotes

Forums, comments, and individual experiences may identify questions, but they are not treated as proof of a carrier-wide rule.

Review and update standard

Resource pages name the preparing organization and last review date. Local permit and utility links show the date they were checked. Material changes to carrier, safety, or jurisdiction guidance trigger a page review; homeowners should still confirm the current rule for their address and policy.

Commercial separation

A contractor may pay us for a connection, but payment does not turn the contractor into a source and does not change the source order above. We do not publish paid rankings or describe contractor options as approved or vetted.

Corrections

Report a broken source, outdated local process, unsupported statement, or material omission through the support form. Include the page URL and a primary source when possible. We review substantive corrections and update the visible review date when the guidance changes.

Report a correction