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Get free insurance guidance when severe weather hits your ZIP code

The Insurance Professor sends you state-specific educational content — what your policies typically cover, what to document, and what your rights are — within hours of a weather warning in your area.

We never share your information. We never sell data. Educational emails only. Unsubscribe anytime.

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Create a full account for 15 daily questions and your state's regulatory digest

What you receive

Pre-event guidance

When a warning is issued for your area, you receive a state-specific checklist — what to document, what your policies typically cover, and what to prepare.

Post-event claim guide

24-48 hours after the event, you receive your state's specific claim filing requirements, adjuster response deadlines, and rights under your state's insurance code.

Regulatory citations

Every email cites actual state law — not generic advice. When we say "your insurer has 15 days," we cite the specific statute.

Communication Drafter

Post-event emails include a link to the Communication Drafter — generate professional correspondence to your adjuster grounded in state law.

Guardian Tier — Policy Vault

Weather alerts tell you what's coming.
Guardian tells you what it means for your policy.

When a hurricane warning hits your ZIP code, Guardian members get answers about their specific policy — their deductible percentage, their coverage limits, their state's claim filing deadlines — not just general guidance. Upload your declarations page and the Professor knows your coverage before the storm arrives.

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What Guardian members see after a storm alert
OK

Your Hurricane Deductible

2% of your $450K dwelling = $9,000 out-of-pocket threshold

GAP

Flood Coverage

CRITICAL: Your HO3 excludes flood. No NFIP policy on file.

NOTE

FL Claim Filing Deadline

Under FL §627.70131, your insurer must acknowledge within 14 days