ReadMyPolicy
SampleStart Now

Editorial methodology

Every ReadMyPolicy guide and tool output is grounded in primary insurance sources — ISO standard policy forms, state Department of Insurance filings, NAIC publications, FEMA flood data, and federal regulatory text. We don't cite vendor blog statistics with unverifiable methodology, and we don't publish anecdotes presented as real cases unless they trace to public reporting.

Primary sources

  • Insurance Services Office (ISO) standard policy forms — HO-3, HO-5, HO-6, HO-8, personal-auto, and the named endorsements (HO 04 90, ML 13 10, HO 23 71, etc.) referenced throughout the guides.
  • State Department of Insurance bulletins and complaint indexes for state-specific rules (CA earthquake, FL named-storm deductibles, TX coastal wind, etc.).
  • NAIC (National Association of Insurance Commissioners) publications on coverage standards, claim handling, and consumer protection.
  • FEMA NFIP for flood-zone definitions, claim averages, and program rules.
  • Federal Insurance Office (Treasury) annual reports on industry-wide trends.

Review process

  1. Each guide is researched against primary sources before drafting; numerical claims either link to a primary source or describe a directional pattern without a fabricated specific number.
  2. Form codes referenced are real ISO codes, verifiable in any carrier's form index.
  3. Dollar examples use industry-typical 2024-2026 ranges; we note when an example is illustrative rather than a specific reported claim.
  4. Guides are reviewed at least annually; the review date appears in the editorial block at the bottom of each guide.
  5. Tool output (the $9.99 analyzer) reads your specific policy and produces analysis grounded in the same primary sources.

What we explicitly don't do

  • ×We don't cite recruiter-survey-style statistics with specific sample sizes when the underlying study is unverifiable.
  • ×We don't publish anonymized homeowner anecdotes as if they were real reported claims.
  • ×We don't offer legal advice, agent advice, or a substitute for a licensed broker — every guide and tool output is informational. For decisions on your specific policy, consult your licensed agent or your state Department of Insurance.

Found something we should correct?

Email hello@readmypolicy.aiwith a primary source and we'll review and update.

Last reviewed: 2026-04-27.

Back to all guides · Read our about page.