Terms and disclaimer
This page says what The Peril Desk is, what it is not, and the rules that govern reading it. It is written to be read, not skimmed past.
What this site is
The Peril Desk publishes documented insurance stories. Every factual claim on a story page traces to a record a reader can open: a court opinion, a regulator filing, a federal dataset, or named press coverage. The records sit in the source ledger at the foot of each story, and the links go to the source rather than to a summary of it.
This is journalism, not advice
Nobody here is a licensed insurance agent, a public adjuster, or a lawyer. Nothing on this site is insurance, legal, medical, or financial advice, and nothing here creates a client, agent, or broker relationship.
A story can show you the clause, the statute, and the case where somebody in your position won or lost. It cannot tell you what your policy covers. Only your policy documents and a licensed agent or lawyer in your state can do that. If a claim of yours is being decided right now, read the policy and call someone licensed.
The tools are arithmetic
The calculator and the coverage-gap quiz run on the numbers and answers you type. They compute in your own browser. A result is not an estimate of your claim, not an offer, not a valuation, and not evidence. No result is reviewed by anyone before it appears, because nobody here sees it.
Rankings and data
The rankings copy published scores from named sources, with the year of each source stated on the page: J.D. Power study results, AM Best financial strength ratings, and NAIC complaint and market-share data. Nothing is adjusted, weighted in secret, or scored by us.
A score describes what a source measured in a stated year. It does not predict how any carrier will treat any individual claim, and a figure that was current when a page was published can be superseded by a later filing.
How the site makes money
Two ways, both disclosed on the page where they appear. Advertising is served by Google AdSense, which is named in the privacy policy along with every other service that loads here. Partner links pay a flat fee on the click, the same fee for every partner, so no link earns more than another and no commission can move a ranking. No partner links are live on this site yet, and the pages say so where a partner link would otherwise sit.
Rankings and stories are finished before any partner sees them.
Accuracy and corrections
Two independent sources or one primary document stand behind every factual claim. A person is alleged to have done a thing until a court says otherwise, and the pages are written that way.
When something here is wrong, the correction is published, dated, and linked from the story it fixes, and the error stays visible in the record. Report one through the contact page.
Links to other sites
Source ledgers link to courts, regulators, federal datasets, and news outlets. Those sites are not ours. We do not control what they publish, whether a link keeps working, or what they do with a visit. A link is a citation and not an endorsement.
No warranty
The site is provided as it is. We work to keep every figure accurate and dated, and we cannot promise that a page is free of error or that a source we cite has stayed accurate since we read it. To the extent the law allows, The Peril Desk is not liable for a decision made on the strength of something read here. The remedy we do offer is the one above: tell us, and the correction publishes with a date.
Quoting and reuse
Quote a paragraph and link back, and no permission is needed. Republishing a whole story, or reproducing the original cover art, needs permission first. Ask through the contact page.