AI Disclaimer.
Re_Tera is not an insurance company, insurance broker, insurance agent, public adjuster, or licensed insurance professional.
The information provided by Re_Tera is for educational and organizational purposes only. It does not constitute insurance, legal, or financial advice.
About Health Scores
Re_Tera generates "health scores" for your insurance policies. These scores are computed using a deterministic algorithm that evaluates structural properties of your policy, including:
- Whether the policy is active (not expired)
- Valuation method (Replacement Cost vs. Actual Cash Value)
- Presence of Coverage C (personal property)
- Presence of Coverage D (loss of use)
- Named insured accuracy
- Earthquake or flood endorsements
AI adjustments to the score are clamped to a maximum of 20 points per turn, preventing any single AI response from dramatically changing the score. This means the score primarily reflects your policy's structural characteristics, not AI interpretation.
Despite these safeguards, health scores are estimates, not actuarial assessments. They may not reflect all coverage nuances, endorsements, or policy amendments not captured during document extraction.
About AI Investigations
Re_Tera's Investigation feature uses AI to analyze and discuss your insurance policy. These conversations:
- Are informational and educational, not professional advice
- May contain inaccuracies or misinterpretations of your policy
- Should not be used as the sole basis for coverage decisions, claim filings, or policy changes
- Do not create any professional relationship (attorney-client, agent-client, or otherwise)
About Policy Investigation
Policy document analysis relies on text extraction and AI interpretation. This process:
- May not detect all coverage gaps, exclusions, or limitations
- May misinterpret policy language or coverage amounts
- Cannot account for verbal agreements, pending endorsements, or policy changes not reflected in the uploaded document
- Should always be verified by reviewing the original policy document and consulting a licensed insurance professional
Your Responsibility
Always consult a licensed insurance professional before:
- Making changes to your insurance coverage
- Filing an insurance claim
- Making financial decisions based on coverage gap analysis
- Relying on any health score or AI-generated recommendation
Related Documents
Contact Us
Questions about this disclaimer: support@getretera.com
In plain language.
We are not lawyers. We are not licensed insurance agents or brokers. We are not a public adjuster. Nothing on Re_Tera is legal advice or insurance advice.
What we do: we analyze your insurance policy and tell you what we see, in the clearest way we can.
What you should know: Re_Tera uses a large language model (an AI). It may not contain every detail of insurance law in your state, it may misread your policy, and it can hallucinate, confidently producing information that is not accurate. Always cross-check what Re_Tera tells you against your actual policy document and against the source it cites.