“I recommend United Policyholders to any community that has suffered a major disaster.”
“United Policyholders has worked tirelessly to serve our community and provide residents with necessary support and tools.”
As the painful process of recovery begins for those whose homes have been damaged or destroyed in recent tornadoes, the focus will be on photographing and removing debris, inventorying losses, negotiating insurance payments and grieving. In the months ahead, impacted residents will have to plow through paperwork and make important financial decisions. The word most commonly used to describe people's mind set after a natural disaster is "overwhelmed." While insurance payments can't bring back cherished mementos, they are critically important on the Road to Recovery.
UP offers tips, information, sample letters and tools to help each person recover the full amount they're entitled to and avoid and solve problems during the insurance claim adjustment process. Our resources draw on the personal and professional expertise of our volunteers and staff, many of whom lost homes in past disasters. UP does not sell insurance, give legal advice or represent individuals in claim matters. Rest assured, our information and resources are designed to help you, the consumer...no catch, no hidden agenda.
If your home or rental has been damaged or destroyed, request a Roadmap to Recovery Toolkit by emailing your current mailing address to email@example.com. The toolkit contains a handbook, organizer diary and home inventory flash drive tool.
Here are some items to get you started putting one foot in front of the other on the road to recovery:
Disaster Survivor Support Network: Confidential emotional support, insurance and rebuilding tips from previous catastrophic loss victims/survivors through the United Policyholders Disaster Survivor Support Network ("DSSN") For a list of and contact info for available DSSN recovery mentors, please email your request to firstname.lastname@example.org and put "DSSN" in the subject line.
Expert Answers to Your Questions: The ”Ask an Expert” tool is an easy and safe way to ask direct questions to attorneys, claims professionals and previous disaster survivors who serve as UP volunteers and get the answers you need. The expert doesn’t see your contact info, but you can contact them if you want to follow up on their answer. To use the forum, please visit www.uphelp.org/Ask-an-Expert.
Special note to Oklahomans: If you are surprised to hear your adjuster tell you that you only have "ACV" (Actual Cash Value) insurance on your roof, contact the Oklahoma Department of Insurance and United Policyholders. The following wording may now be found in some, but not all OK home policies.
(g) Notwithstanding any provision to the contrary, we will pay no more than the actual cash value (including deduction for depreciation) for damaged portion of the roof, roofing material, flue, vent pipe, flashing or similar roof component of any covered structure"
NOTE: United Policyholders respects and protects the privacy of all who communicate with our organization. We do not share or sell our mailing lists.
United Policyholders is a non-profit organization that serves as a voice and an information resource for insurance consumers in all 50 States.