From a legal point of view I'd say: Yes this Forum definitely needs a disclaimer. There should be no doubt about it.

Even if I go in here to look for answers, from a professional or not, I cannot necessarly take that for granted. Especially since no one here can look at any particular situation in person. All we have is the info from the person seeking help. So if in doubt always find a local professional to look at the situation and evaluate. There is never just one solution to a problem nor does one solution that might apply in lets say Massachusetts necessarly apply for Florida or any other state.