Legal disclaimer

The content on this site is general information. It is not insurance advice, not legal advice, and not medical advice, and reading it does not create any professional relationship.

Your insurance policy governs your claim. No page on this site can assess your specific loss, interpret your specific policy, or tell you whether your claim will be paid. Where we describe how coverage generally works, that description may not match your policy, your state, or your circumstances.

Insurance regulation, assignment-of-benefits rules, mold requirements, licensing and tenant law are set by state and change. We record the source and verification date for every regulatory claim, but you must verify anything you intend to rely on with your state insurance department or the relevant authority.

Water damage work carries real physical risk, including electrical shock, structural collapse and exposure to contaminated water. Where we mark a task as requiring a professional, that is the safe reading of the guidance and not a marketing position.