This is a thought that has occurred a number of times for me, especially when concerning questions that asks for help deleting files. Most recently with question 299793 today, which asks with help to identify and remove folders that only contains one folder with a certain name.
In this particular case, the user states that he's well aware of the "risks and implications", but I nonetheless found myself typing "I take no responsibility for the loss of data" at the end of my answer.
Do we have any type of disclaimer to refer to (that may be implicit) when it comes to applying answers that unintentionally (through either a bug in the answer, or by applying it in the wrong way) may result in the loss of data? Or are we personally responsible if our submitted answers are faulty?
Obviously, answers should be properly tested (and ideally, users should use their brains before copying and pasting a command from a web site into their terminal), but there will always be cases where something is overlooked.
I found no such disclaimer in the U&L help pages.
Note: No answer that I have seen or written has caused any damages, as far as I know.
Update: I found this in the "Warranty disclaimer" in the Stack Exchange Network Terms of Service:
Much of the Content of the Network is provided by and is the responsibility of the user or subscriber who posted the Content.
I assume this means I'll be adding more disclaimers to my answers...
Update: Similar concerns have been raised in the past for other (albeit non-technical) forums on Stack Exchange.
And at least one other forum has a disclaimer about not offering "personalized, professional advice". The reasons are obviously entirely different though, but our users may unwittingly also relate to the author of an answer as a source of near absolute authority, based on their high "reputation" and skill at explanation.