Who publishes Coverage Clock

Coverage Clock is founded and published by Syed Emaz Ali through Prime Dev Force LLC, a company registered in Sheridan, Wyoming. Prime Dev Force is the publishing entity behind Coverage Clock's state guides, program deep-dives, and tools.

The site was built to fill a specific gap: when a homeowner gets a non-renewal notice, the notice period, the exact regulator, and the state's insurer-of-last-resort program (FAIR Plan, Citizens, TWIA, MPIUA) are scattered across statutes and agency sites. Coverage Clock puts the order of operations in one place, with the underlying statute or official source cited on every claim.

• Every notice-period and program claim cites the specific statute, regulator, or official data source behind it (e.g., Tex. Ins. Code §551.105, Florida Statute 627.4133, La. R.S. 22:1598, Cal. Ins. Code).
• Pages are revisited when notice-period laws or program terms change, and each page carries a visible "last updated" date.
• Coverage Clock is legal/regulatory research, not personalized insurance, legal, or financial advice — every page says so, and points readers to their state's Department of Insurance or a licensed broker for their specific situation.

Insurance content is YMYL — decisions made on it affect people's money and their homes. We work down this hierarchy, and we say in the page when we have had to settle for something lower in it:

1. Statute and regulation. The primary text, cited by section number so you can read it yourself.
2. State insurance regulators. California Department of Insurance, Florida OIR, Texas TDI, NCDOI and their equivalents — for official guidance, bulletins, licensing and company records.
3. The programs' own published pages. The California FAIR Plan, Citizens, TWIA, MPIUA, NCJUA and NCIUA, for coverage terms, limits, fees and contact details.
4. Regulatory filings and official data. Rate filings, NAIC data calls, SEC filings where a company's corporate structure is the question.
5. Reputable secondary reporting, for context and for figures not published officially — and labelled as reported rather than stated as fact.

Where a figure is time-sensitive, we record the date it was checked. Where we could not confirm something against a primary source, we say so on the page rather than rounding it up to certainty — several pages carry an explicit "what we could not verify" note for exactly this reason.

• Statute pages are re-checked against the current code when a legislative session closes in the relevant state, and whenever a reader reports a discrepancy.
• Program pages (FAIR Plan, Citizens, TWIA, MPIUA, NCJUA/NCIUA) are re-checked when the program announces a rate change, a coverage-limit change, or a fee change.
• Cost and rate figures are reviewed at least annually, and sooner when a rate filing is approved.
• Every page carries a visible publication or last-updated date, and a dateModified field in its structured data. If those two disagree, trust the visible date and please tell us.

Corrections are welcome and are acted on rather than argued with. If something here is wrong, emaz@primedevforce.com reaches the publisher directly.

Coverage Clock publishes several estimating tools. All of them share the same design principles, and the same limits:

• They run entirely in your browser. There is no form, no submission, no account, and nothing you enter is transmitted or stored anywhere.
• They model published reference data — statewide averages, program-published rates, cited worked examples — scaled by the inputs you choose. No insurer's filed rates are used, because that data is not available to us.
• Every tool shows its own methodology on the page, in a "how this is estimated" box, naming the reference figures and the sources behind them.
• Where an adjustment is a modeled assumption rather than a sourced figure — deductible credits, for instance — the page says so explicitly instead of presenting it as research.
• They produce ranges, not point estimates, because the underlying variation is genuinely wide and a narrow number would be false precision.
• None of them is a quote. Not a binder, not an offer of coverage, and no insurer is bound by anything they display. Only a licensed carrier or broker can give you a bindable price.

Current tools: the California FAIR Plan premium calculator, the California home insurance calculator, the Texas FAIR Plan calculator, the North Carolina rate & notice calculator, and the non-renewal deadline calculator.

Being clear about this matters more in insurance than in most subjects:

• Coverage Clock is not an insurance company, and sells no insurance.
• Coverage Clock is not a licensed broker or agent, and cannot quote, bind or place coverage.
• Coverage Clock is not the California FAIR Plan, Florida Citizens, TWIA, MPIUA, NCJUA or NCIUA, and is not affiliated with any of them. Those programs' own sites are linked throughout.
• Coverage Clock is not a government agency and does not speak for any Department of Insurance.
• We hold no insurance professional credentials and claim none. What this site offers is careful primary-source research, cited so you can check it, not professional advice.
• We have no access to any policy and cannot help with claims, billing disputes or policy changes.

For your specific situation, contact a licensed broker or your state's Department of Insurance. For California, that is insurance.ca.gov.

Some pages carry affiliate or referral links — comparison-shopping links, carrier referral links, and product links — and Coverage Clock may earn a fee if you use one, at no cost to you. Those links are marked sponsored in the page markup and disclosed in the footer of every page that carries them.

Two commitments that follow from that:

• No page's recommendations are determined by whether a link pays. The order of operations we publish — admitted market first, then surplus lines, then FAIR Plan plus DIC — is the order that costs homeowners least, and it routes people away from monetized links as often as toward them.
• Several pages carry no affiliate links at all, including the FAIR Plan payment guide, because a page someone lands on while trying to pay a bill is not a place to sell them anything.

We publish no reviews, no ratings and no "best company" rankings, because we have no data that would make such claims honest — and no star-rating or aggregate-rating structured data appears anywhere on this site.