How does Sizemore Insurance make sure its articles are accurate?
Every article starts with a real insurance question. We check its claims against primary sources where they exist, and a licensed insurance agent reads and approves it. We show who reviewed it, their National Producer Number (NPN) and the date. If we get something wrong, we fix it.
Where our topics come from
Our topics come from questions clients and advisors bring us, and from situations we see every day: coastal wind and flood coverage, the Beach Plan, renewals, lender requirements and claims. We write to answer the question someone is actually trying to settle, not to promote a product.
The sources we trust
We give the most weight to sources closest to the rule or fact:
- Insurance policies, forms and endorsements
- Insurance company guidelines and filings
- State departments of insurance, statutes and regulations
- The North Carolina Insurance Underwriting Association, which runs the Beach Plan and the NC FAIR Plan
- FEMA and the National Flood Insurance Program
- Our own policy records, for the typical costs we publish
Another website's article or an AI answer is never proof of an insurance claim.
How we check a claim
A good source can still fail to support a specific sentence. We ask whether the source says what the article says, whether it is current, and whether it applies in that state. If the evidence does not hold up, we soften the claim, explain what it depends on, or cut it. When an article states a rule or law, we list the source so you can check it yourself.
Licensed review
A licensed insurance agent reads each article before we publish it. The reviewer looks for wrong coverage statements, missing exclusions, differences between states and insurance companies, and anything that could make someone assume they have coverage they do not have.
The article shows that person's name, title, NPN and review date. We only name someone who actually reviewed that article and agreed to be named. You can read more about authors, reviewers and what those roles mean.
How we publish
We release new articles on Fridays, once they have been reviewed. The review date is the day the agent reviewed the article, so it often comes a few days before the published date.
We are also adding reviewer details to articles published before this process was in place. An article without a reviewer line has not had those details added yet, and an advisor can answer your question directly.
How we describe coverage
Coverage depends on the policy issued, including its forms, endorsements, exclusions and conditions, and on the facts of a claim. So we do not promise that something is covered. We say when an answer depends on the insurance company, the policy form, the state or the property, and we point out when a separate policy may be needed. Flood is a common example, because most home policies exclude it.
How we use numbers
When we publish what clients typically pay, the numbers come from our own policy records, grouped so that no client can be identified. A typical cost is an example, not a quote. Rates and eligibility change, and your price depends on your property, your coverage and the insurance company.
How we use AI
We use AI tools to help research, organize and draft. AI is not a source and it does not approve anything. Every article gets the same licensed review, however it was drafted. Our AI Disclosure has the details.
How we keep articles current
Reviewed articles are reviewed again at least every 12 months, and sooner for topics that change quickly, like rates and storm rules. The review date changes only when someone actually reviews the article again. Editing a typo or a layout does not change it.
Corrections
If you see something wrong, email support@sizemoreinsurance.com or call (910) 791-1011. We check every report. If the article is wrong, we fix it and have it reviewed again. There is more on our authors and reviewers page.
Our independence
Sizemore Insurance is an independent, family-owned company founded in 1977. We compare 100+ carriers, and we earn commission when clients buy insurance through us. Our articles explain trade-offs even when that does not lead to a sale. See our Company Facts for our offices, leadership and licensed states.
What our articles are not
Our articles are general information. They are not a coverage determination, legal advice or a quote. For your own situation, talk to one of our advisors.
Common questions
Does a licensed agent really read every article?
That is our process for every article we release. The reviewer line shows who reviewed it and when.
What does the NPN mean?
A National Producer Number is the ID assigned to a licensed insurance producer. You can use it to look up a license through the National Insurance Producer Registry or your state department of insurance.
Why is the review date earlier than the published date?
Agents review articles during the week and we release them on Fridays.
Do you use AI to write your articles?
AI helps us research and draft. A licensed agent reviews the article and is responsible for its accuracy.