Sources and Methodology
How Home Claim Ledger selects sources, handles changing information, and turns research into usable claim workflows.
Source hierarchy
- Controlling material: policy language, statutes, regulations, court or agency material, and official forms.
- Regulator and government guidance: state insurance departments, FEMA, CFPB, IRS, HUD, and other agencies relevant to the task.
- National consumer guidance: NAIC and comparable organizations that link readers to regulators and explain common processes.
- Supporting context: reputable professional or industry publications, used cautiously and identified as secondary.
How a guide is produced
We define the user’s task and the decisions the page can responsibly support. We collect current primary sources, record their dates and jurisdiction, identify where the policy or state can change the answer, and build a workflow around the documents a reader can actually gather. The draft is checked for unsupported claims, hidden assumptions, internal consistency, working links, and clear limitations.
How tools are designed
A calculator or worksheet must explain its inputs, output, assumptions, and limitations. Illustrative calculations are labeled as illustrations and do not estimate claim entitlement. Whenever practical, personal claim information will remain in the user’s browser; any different data handling will be explained before information is entered.
Dates, versions, and state differences
Each substantive page carries a reviewed date. A date shows when sources were checked, not a guarantee that no source has changed since. State-specific claims must cite the relevant state authority. We avoid projecting one state’s rule nationwide.
Core reference points
Last reviewed: September 1, 2026.