Disclaimers

[NEEDS LEGAL REVIEW] — California counsel must review this page before production launch (see PUNCHLIST.md Tier 1).

Last updated: 2026-04-26

Editorial independence

PolicyholderAid is an independent educational publication. We are not a law firm. Content on this site is for educational purposes and does not constitute legal advice. Reading this site does not create an attorney-client, adjuster-client, or fiduciary relationship.

Affiliated public adjuster firm

Free claim reviews will be facilitated through our affiliated California public adjuster firm, which is licensed by the California Department of Insurance. The PA firm operates on contingency — no recovery, no fee. Operations are launching; submitted reviews will be queued and addressed in the order received.

Solicitation rules (California Insurance Code §15007)

Public adjusters in California are prohibited from soliciting business in the seven days following a Governor-declared disaster. PolicyholderAid respects this rule: when California declares a disaster, our claim-review intake from the affected zone is paused for seven days. See our wildfire coverage for current status.

No guaranteed outcomes

Insurance claim outcomes are fact-specific. Past results discussed in our content do not guarantee future outcomes. Settlement amounts, timelines, and case outcomes vary widely.

TCPA consent for SMS

Submitting the free-claim-review form with the SMS-consent box checked authorizes us (and our affiliated PA firm) to send you transactional and follow-up SMS messages about your inquiry. Standard message and data rates apply. You may opt out at any time by replying STOP. Opt-out is honored regardless of any other consent.

Corrections policy

We correct factual errors when we find them. Substantive corrections appear at the bottom of the affected page with date and a brief description. Email corrections to hello@policyholderaid.org.

Carrier names and case citations

We name California insurance carriers descriptively when discussing public denial patterns, court decisions, and Department of Insurance market conduct examinations. Citations are made in good faith based on public records and are not editorial endorsements or accusations.

Affiliate and referral disclosure

We do not earn commission from third-party services. We do not run sponsored content. The only commercial relationship the editorial site has is intake routing to our affiliated California PA firm.