How we reach a judgment

Four steps, and one rule that matters more than the other three: we do not fill a gap with a plausible number.

1. We start from the form, not the topic

Each judgment begins with a specimen policy form — the actual filed wording, with a form number. We do not start from what other sites say, because most of them start from what other sites say.

2. We read three structures together

A judgment is only correct if it accounts for the peril, the exclusion, and the limit. Reading one without the others produces the kind of answer that sounds right and fails in a claim: "mold isn’t covered" when the form carries a $10,000 fungi sub-limit, or "flood isn’t covered" when the exclusion itself preserves fire and theft.

3. We quote, we do not paraphrase

Every judgment carries the clause it rests on. Paraphrasing is where errors enter — a single word like theft in a special limit changes which causes of loss the cap applies to.

4. We mark what is not verified

State-specific deadlines, current form editions, and carrier variations are marked as pending until checked against the state filing or the regulator’s published guidance. We would rather show a gap than a guess.

What this site is not

• Not an insurer, broker or agent — we do not sell policies.
• Not a law firm — nothing here is legal advice, and coverage disputes can turn on facts we cannot see.
• Not a substitute for your own policy — the form you were issued is the one that governs.