100% IndependentExpert fact-checkedUpdated daily

About Insurhi

Independent insurance data & claims research

Insurhi is an independent insurance data and claims research organization publishing IRF ratings, claim playbooks, and documented case studies.

Playbooks: 43 Claim Playbooks
Checklists: 269 Checklist Items
Categories: 6 Coverage Lines
Coverage briefs: 59 Coverage Briefs

Research hub Our Experts Data & IRF Coverage briefs 41 providers reviewed

Our mission

About Insurhi

Who we are

Insurhi is an independent insurance data and claims research organization. We publish the Insurhi Rating Framework (IRF), structured coverage research, claim documentation playbooks, and anonymized case studies—not insurance sales or quote services.

Editorial principles

Methodology first: we document how products and guides are researched in our public methodology page.

No paid placement: carriers cannot buy rankings. Affiliate relationships, when present, are disclosed and do not change editorial order.

Category accuracy: auto, home, life, pet, Medicare, and renters content is written separately—no mixed advice.

Scenario-based guidance: deep guides include real claim and buying scenarios, not generic SEO filler.

Corrections

Found an error? Email editorial@insurhi.com with the page URL and what looks wrong. We aim to review and publish corrections within 48 hours on material factual issues.

Editor-reviewed August 2026: Insurhi publishes independent insurance data and claims research for U.S. readers. Content is reviewed by named category editors and updated when carrier disclosures, regulations, or claim workflows change materially.

Insurance-specific analysis

We focus on coverage wording, exclusions, claim triggers, pricing context, and provider behavior rather than generic personal finance advice.

Visible methodology

Product and provider recommendations are tied to documented criteria including coverage clarity, claim experience, pricing signals, and consumer suitability.

Named expert review

Guides, playbooks, and coverage briefs are reviewed by researchers with published profiles, years of experience, and category focus.

How we work

From policy research to published guidance

Insurhi is built for readers who need clarity before a purchase or a claim—not marketing copy dressed up as advice.

Source the policy evidence

Researchers compare carrier forms, state filings, public disclosures, and documented claim workflows before drafting.

Write for real decisions

Guides and comparisons focus on coverage limits, exclusions, pricing context, and claim triggers—not generic finance advice.

Expert category review

Each piece is reviewed by a named expert focused on the relevant line—auto, property, life, Medicare, pet, or claims.

Publish and correct

Material updates and reader corrections are reviewed against source documents and republished through our editorial workflow.

Read editorial methodology Meet our experts

Our Experts

Named researchers behind every review

Insurhi content is reviewed by specialists with years of insurance research experience—not anonymous editorial desks.

View all experts

David Okonkwo

Managing Editor & Research Director

Editorial governance, IRF methodology alignment, and correction workflows

11+ years in insurance research

Editorial standardsMethodology

Elena Rodriguez

Life, Medicare & Pet Insurance Research Editor

Life, Medicare, and pet insurance — benefit triggers, waiting periods, and beneficiary documentation

7+ years in insurance research

Life insuranceMedicare

Marcus Chen

Senior Property & Auto Insurance Research Editor

Property and auto coverage research — HO-3/HO-4 forms, UM/UIM limits, catastrophe deductibles

9+ years in insurance research

Auto insuranceHome insurance

Sarah Mitchell

Claims Documentation & Settlement Research Editor

Claims documentation & settlement research — FNOL preparation, denial patterns, supplement workflows, regulator escalation

8+ years in insurance research

Claims processDocumentation

Advisory board

External advisors on methodology & claims research

Advisory board members provide periodic methodology and claims-research feedback. They do not sell insurance, file claims for readers, or receive pay-for-placement fees from Insurhi.

James Harrington

Former state insurance mediation officer

Independent claims dispute consultant

James Harrington spent twelve years mediating auto and property claim disputes for a state department of insurance. He now advises carriers and consumer advocates on documentation standards, good-faith response timelines, and escalation paths before formal complaints.

Advisory focus

Claim dispute escalationRegulator complaint workflowsAdjuster communication standards

Priya Nair

Claims training & compliance advisor

Former carrier claims operations lead

Priya Nair led FNOL and supplement training programs for a top-10 U.S. property insurer. She reviews Insurhi playbook checklists against real adjuster intake requirements and helps flag when carrier forms change materially.

Advisory focus

FNOL documentationSupplement workflowsCarrier intake requirements

Rebecca Olsen

Consumer insurance literacy advisor

Nonprofit policy education volunteer

Rebecca Olsen volunteers with community insurance literacy programs and previously managed compliance communications for a regional carrier group. She advises Insurhi on plain-language disclosures, beneficiary communication, and Medicare enrollment documentation pitfalls.

Advisory focus

Plain-language disclosuresMedicare enrollment documentationBeneficiary claim triggers

Editorial independence

Research-first guidance, not paid rankings

Commercial relationships never determine product placement. Our experts score coverage clarity, pricing context, and claim experience using a documented methodology—and readers can challenge our work.

Corrections & reader feedback

Found an error or outdated policy detail? Email our editorial desk. Material corrections are reviewed against source documents and updated through our published workflow.

editorial@insurhi.com Corrections log Editorial standards

Funding & independence

Insurhi is funded through editorial operations and disclosed affiliate relationships. Revenue does not determine IRF rankings, playbook order, or case selection.

Revenue sources

Display advertising (e.g., Google AdSense) when enabled on the site.
Affiliate links to carriers or partners, disclosed inline where present.
No pay-for-placement, sponsored rankings, or carrier-funded score adjustments.

What revenue does not buy

Higher IRF dimension scores or overall ratings.
Preferred ordering in guides, playbooks, or category hubs.
Inclusion or exclusion from the claims case library.
Undisclosed edits to methodology weights or review criteria.

Data licensing & press

Journalists and researchers may cite Insurhi under our press guidelines at /press.
Data licensing inquiries: editorial@insurhi.com.
IRF scores and playbook excerpts may be quoted with attribution and a link to /methodology.

Full editorial standards: /editorial-standards. Corrections: /corrections.

Continue exploring

Explore how Insurhi researches coverage, meets our experts, or reaches the editorial desk.

Editorial methodologyHow we review products, providers, and claims guidance.Open Our ExpertsMeet the researchers behind our guides and comparisons.Open ContactEditorial corrections, support, and partnership inquiries.Open Press & mediaBrand overview, expert directory, and media contact details.Open