Legal disclaimer
This applies across all four perils: water, fire and smoke, mold, and biohazard.
Not advice Link to this section
The content on this site is general information. It is not insurance advice, not legal advice, and not medical advice.
Your policy governs your claim. Nothing on this site can tell you what your specific policy covers, because we have not read it. Coverage varies by carrier, by state, by endorsement, and by the facts of your loss.
No page here assesses your specific loss. We describe how these losses generally behave and how claims generally work. We cannot tell you what happened in your building.
Specifically, we do not Link to this section
- Predict whether a claim will be approved or denied
- Advise whether you should sign an assignment of benefits or any other document
- Diagnose any health condition, or attribute a symptom to a building
- Recommend, endorse or vet any contractor, restoration company or public adjuster
- Provide procedures for work that requires training, certification or protective equipment
Safety Link to this section
Emergency guidance on this site is general and cannot account for the conditions in front of you. If there is any doubt about safety, leave and call 911 from outside. Emergency services are the correct authority on whether a structure is safe, not this site.
Accuracy and change Link to this section
Standards, regulations, insurance rules and program terms change. We date every page and cite primary sources so you can check them. Verify anything you intend to rely on directly with the source, including anything on this page.
Third-party links Link to this section
We link to external sources so you can verify what we say. We do not control those sites and are not responsible for their content.