Editorial policy
A wrong deadline or fee cap could cost a reader money. These are the rules we hold ourselves to.
Primary sources only for the law
Every statement about what the law requires is matched to a primary source: the state's statutes, its administrative code, or the state insurance regulator's own pages. We record the citation, the link and the exact words relied on, and we show them on the page.
Law-firm articles, adjuster-firm pages and licensing-prep sites can point us to a rule. They are never the source for one.
If we cannot confirm it, we leave it out
When a rule cannot be matched to a primary source, it does not go on the page. State pages list what we looked for and could not confirm, so you can see the gaps.
A state has no page at all until its rules have been through this process. That is why the map has grey tiles.
Dates on everything
Each state page shows the date its rules were last checked against the law. Each guide shows when its sources were checked. Directory pages show the date of the state file they were built from.
Statistics
We use numbers only from governments, regulators, the National Association of Insurance Commissioners, or nonprofit consumer groups, and we link them. We do not repeat figures from companies that profit from the conclusion.
Plain language
Pages are written for someone in the middle of a claim, not for insurance professionals. We answer the question first and define terms as we go.
Independence
Advertisers have no say over content and do not see it before publication. We do not name or criticise individual insurers, adjusters or firms. See how we make money.
Who writes and reviews
Pages are researched and written by the PublicAdjuster.cc editorial team using the process above. They are not written by attorneys and are not legal advice.
Corrections
If you find an error, email [email protected] with the page and the source that shows the mistake. We check every report against the primary source and fix confirmed errors promptly, updating the date on the page. See corrections and listing changes.
Accuracy notice
We work to keep this site accurate, but laws change and mistakes happen. Always read the linked source and your own policy before you act.