Editorial policy

FiledRates exists to report what insurers filed with state regulators and what happened to those filings. These standards apply to every page we publish.

Primary sources for every number

Every percentage, date, dollar figure, policy count, and tracking number on a filing report comes from a document we opened and read: the filing itself, a regulator's order or decision, or an official regulator publication. Each report lists those documents with the date we accessed them. When a value cannot be confirmed in a source document, we leave it blank. We do not estimate, round up from news reports, or fill gaps with assumptions.

Attribution

Insurers explain their rate requests in their filings, and regulators explain their decisions in orders and statements. We summarize those explanations in our own words and always say whose explanation it is, for example "the filing cites higher reinsurance costs." We do not present an insurer's or regulator's reasoning as our own conclusion, and we do not speculate about motives. We quote a source directly only when its exact wording matters, and keep quotes short.

No advice, no predictions

We do not tell readers which insurer to buy from, whether to switch, whether to file a complaint, or whether to take legal action. We do not predict how a regulator will rule or where rates are headed. Our guides explain how regulatory processes work and where official information is published.

How numbers are presented

Rate changes in filings are usually overall averages across many policies. We say when a figure is an average or a range, and we note that an individual policyholder's premium change can be larger or smaller. Comparisons on our pages, such as how a request compares with other filings in the same state, are calculated from the filings in our own dataset, and we state how many filings each comparison is based on.

Review before publication

Software tools, including AI tools, help us find filings, pull figures out of long documents, and draft the text of our analysis articles, including their commentary. A tool's output is never published on its own. The editor checks each filing report against its source documents, and reviews, edits, and approves each analysis article, before it is published. A report is marked "Reviewed by" when the editor has signed off on a later verification.

Editor's notes

Some filing reports carry an editor's note. These are short comments written by the editor and labeled as such. They are kept separate from the factual report.

Updates and corrections

When a filing's status changes, for example when a regulator approves or modifies a request, we update the report, add the event to its timeline, and change the "Updated" date. We change that date only when the substance of a report changes. When we get something wrong, we fix it, record the correction on the report's timeline, and list it on our corrections page. We do not silently change published numbers.

Independence and advertising

FiledRates is not affiliated with any insurer, agent, broker, or regulator. We do not accept payment to cover, omit, or change a report, and we do not use affiliate links or lead-generation forms. If the site carries advertising, ads will be labeled and kept separate from reporting, and advertisers will have no say in what we publish.

Questions

Questions about these standards can be sent to the editor at zakarian@ratefiled.com. Our methodology explains in detail how filings are found and checked.