Disclaimers
We Are Not Licensed Insurance Professionals
Risk Meridian is not a licensed insurance agent, broker, or agency. We do not sell, bind, or service insurance policies. We do not represent any insurance carrier. Our reports may reference specific carriers or coverage types, but these references are informational — they are not quotes, offers, or recommendations to purchase any specific policy.
If you need insurance, work with a licensed agent or broker in your state.
We Are Not Attorneys
Nothing in our reports or on this website constitutes legal advice. Risk Meridian is not a law firm and does not provide legal counsel. If you have legal questions about property risk, insurance coverage, disclosure obligations, or liability, consult a licensed attorney.
Our Reports Are Informational Only
Risk Ready Reports are designed to help buyers, sellers, and real estate professionals understand property-level insurance risk. They are decision-support tools, not substitutes for professional inspections, appraisals, engineering assessments, or insurance underwriting.
Our reports should be used alongside — not instead of — professional guidance from licensed inspectors, insurance agents, real estate attorneys, and other qualified experts.
Our Data May Contain Errors
Our reports aggregate data from public and third-party sources including FEMA, NOAA, USGS, county appraisal districts, ATTOM, and others. While we work to ensure accuracy, we cannot guarantee that every data point is current, complete, or error-free.
Common reasons data may be imperfect: government databases may not reflect recent map revisions or property changes, appraisal records may lag behind actual conditions, and automated data extraction can occasionally misinterpret source records.
If you spot something that looks wrong in your report, email us at reports@riskmeridian.io — we'll investigate and correct confirmed errors.
Scores Are Estimates, Not Predictions
Our Composite Risk Score and individual dimension scores are modeled estimates based on available data and our proprietary scoring methodology. They are not actuarial calculations, and they are not used by insurance carriers to set premiums.
A high score does not guarantee you will experience a loss. A low score does not guarantee you won't. Scores are meant to give you a relative sense of risk compared to other properties — they are not predictions of future events.
Insurance Cost Estimates Are Approximate
When our reports include estimated insurance costs, these are rough projections based on publicly available rate data, property characteristics, and regional trends. They are not quotes from any carrier.
Actual premiums depend on factors we may not have access to: your claims history, credit-based insurance score, chosen deductibles, coverage limits, carrier-specific underwriting rules, and more. Your actual premium could be higher or lower than our estimate.
Carrier Availability Is Subject to Change
Our reports may reference insurance carriers that have historically written policies in your area. Carrier availability changes frequently — insurers enter and exit markets, adjust appetites, impose moratoriums, and change underwriting guidelines. A carrier mentioned in your report may not be writing new policies by the time you apply.
Always confirm current availability with a licensed agent.
Mitigation Recommendations Are General Guidance
Our mitigation recommendations are based on common risk-reduction strategies for the hazards identified in your report. They are general guidance, not engineering specifications. Before undertaking any structural work, roofing project, or property modification, consult qualified contractors and verify that the work meets local building codes and permit requirements.
Estimated cost savings from mitigation actions are approximations and may not reflect your actual premium reduction.
Third-Party Links and Services
Our reports or website may contain links to third-party websites, tools, or services. We don't control those sites and aren't responsible for their content, accuracy, or privacy practices.
No Guarantee of Coverage
Nothing in our reports guarantees that any insurance carrier will offer you coverage, or that coverage will be available at any specific price. Insurability depends on carrier underwriting decisions that are outside our control.
Contact
Questions about these disclaimers? Email reports@riskmeridian.io.