Disclaimer

Not legal advice. Restoration Education publishes general educational information about property insurance claims and restoration. It is not legal, insurance, financial, or professional advice. Reading this site doesn’t create an attorney-client or any other professional relationship.

Laws and policies vary. Insurance law differs from state to state and changes over time, and policy forms and endorsements differ from one policy to the next. Statutes, regulations, and deadlines described here were checked against sources when written but may have changed. Always read your own policy and confirm how the law applies to your claim with your state Department of Insurance, a licensed public adjuster, or an attorney licensed in your state. Deadlines to act on a claim or file suit can be short.

News and records. Carrier Watch headlines are gathered automatically from third-party news outlets. Restoration Education doesn’t write or verify those headlines, and their inclusion doesn’t mean any allegation is true. The carrier and story-type labels are assigned automatically from words in each headline; they describe the kind of story, are not findings by Restoration Education, and can be wrong. Lawsuits, complaints, and regulatory accusations are allegations unless and until decided. Settlements are frequently made without admission of liability. The carrier record summarizes public records and reporting as of the dates shown.

Standards. IICRC standards are summarized in our own words. Consult the official published standards for their exact requirements.

No affiliation. Restoration Education is independent. References to United Policyholders, the Restoration Industry Association, the IICRC, the NAIC, government agencies, insurers, and other organizations are for identification and education only and don’t imply affiliation, sponsorship, or endorsement. Trademarks belong to their owners.

External links. We link to outside sites for reference and aren’t responsible for their content.