Governance
Editorial standards
Insurhi publishes insurance data and claims research under documented editorial standards: named review, cited sources, disclosed affiliates, and a public corrections log.
Related: IRF methodology, Corrections log, Funding & independence.
Independence & conflicts
- Insurhi does not sell insurance, bind coverage, or file claims on behalf of readers.
- Carriers and partners cannot purchase rankings, placement, or favorable IRF dimension scores.
- Affiliate relationships, when present, are disclosed inline and do not change editorial order or IRF weights.
- Editors recuse themselves from reviews where a material personal or financial conflict exists.
Source requirements
- Coverage research cites policy forms, carrier disclosures, or regulator filings—not marketing summaries alone.
- Claims playbooks reference documented FNOL requirements, denial patterns, and escalation paths.
- Statistics and market claims must trace to a named, verifiable source or be labeled as editorial estimates.
- We do not publish anonymous carrier quotes presented as verified pricing.
Review & attribution
- Guides and playbooks carry a named `reviewedBy` editor and `updatedAt` date before publication.
- Material updates trigger re-review when carrier forms, regulations, or claim workflows change.
- IRF scores include `scoredAt` and `methodologyVersion` on every rated product and provider.
- Case studies are anonymized; no reader-identifying information is published without consent.
Corrections workflow
- Readers may report errors to editorial@insurhi.com with the page URL and supporting detail.
- Material factual corrections are reviewed against source documents within 48 hours.
- Published corrections are logged at /corrections with date, scope, and affected URLs.
- Typos and non-material clarifications may be fixed silently with an updated `updatedAt` timestamp.
What we do not guarantee
- Insurhi content is educational research—not legal, financial, or insurance advice.
- IRF scores are editorial ratings, not regulator grades or mystery-shopper audits.
- Published premiums and turnaround figures may differ from your individual quote or claim experience.
- We do not guarantee claim approval, payout amounts, or policy availability in your state.