How we test

Insurance and electrical-safety advice can cost someone their house or their coverage. So the standards below are rules, not aspirations, and a page that fails one does not get published.

Every guide must do these things

Answer in the first hundred words. The verdict sits in a box at the top. If you only read that box, you should still have your answer.
State the criteria before the ranking. You get told what "best" was measured on before you get told what won. A recommendation with no stated criteria is an ad.
Include at least one number the vendors do not publish. Real remediation costs, real surcharge ranges, real installed prices. This is the part that requires actually doing the trade.
Say who should not do this. Every guide has a "who this is not for" section. Advice that fits everybody fits nobody.
Date-stamp prices and get refreshed. Prices and insurer appetite move. Pages carry a published and an updated date, and get reviewed quarterly. Anything we no longer stand behind gets corrected or pulled, not quietly left up.
No hedging. If the honest answer is "yes, that will get you declined by most insurers," it says that plainly.

The technical review gate

Research alone is not enough for this subject. Before any guide is published, the trade claims in it — costs, code context, what an inspector or insurer actually looks for, what really starts fires — are reviewed against working experience as a journeyman electrician and professional firefighter. Until that review is done, the page does not exist publicly. This is enforced in the site's own build: an unreviewed guide cannot be deployed.

How recommendations get made

When a guide recommends an insurer, a product, or a contractor route, the reasoning is on the page: what the alternatives were, what each one costs, and the specific conditions under which a different choice would be better. We recommend an insurer because they will actually cover the situation the article is about — that is the only criterion that matters to someone who has just found out their wiring is a problem.

How we get paid, and what that does not buy

Some links pay a commission if you get a quote or buy a policy. That revenue is what keeps this site free and independent of a brokerage. It does not buy placement, ranking, or a softer verdict. No company has ever been given review of a page before it went live, and none ever will be. Full details are in the disclosure.

What we are not

Not a licensed insurance broker or adjuster, and not a substitute for a permit, an inspection, or your own insurer's underwriting decision. This site tells you what to expect and what questions to ask. The binding answer always comes from your insurer, and the safe answer on anything electrical comes from a licensed electrician pulling a permit.