“(United Policyholders) is an excellent source of support, information, and action for homeowners who really need an understanding and helpful partner during one of the worst times in their lives.”
“UP played a leadership role in ensuring that future wildfire victims are treated more fairly by their insurance providers as part of a collaborative and successful effort to change some of Colorado’s insurance-related legislation and regulations.”
High Park and Waldo Canyon fires
"Just wanted you to say Thank you, too, for being here for all of us. It's a crazy time, as you well know and it's comforting to have a 'voice of reason' around"
San Bruno Explosion/Fire Survivor 2010
“UP has the ability to explain complex processes in a simple manner, which is key when dealing with an overwhelming situation. Many residents have voiced their gratitude for UP’s help and have called upon their assistance multiple times.”
City of San Bruno, CA
“We are so grateful to have wonderful UP looking out for us and putting together amazing amounts of information to help us understand 'the process' and cope with the trials and tribulations!"
Jeff Smith, Wildfire Survivor
“We honestly can say we would not have survived this catastrophe without your insightful, wise, sound wisdom.”
Wildfire Survivor 2014
"United Policyholder's contribution to the event helped hundreds of families, children, parents, pet owners, and individual community members take action to make themselves and their families more ready for emergencies."
City of Berkeley
“(United Policyholders) provided helpful insights into the state of the current insurance market for earthquake, fire and flood coverage, and the critical rile insurance plays in the ability of our communities recover from such catastrophic events. You brought an important and unique perspective to the hearing, that of homeowners themselves.”
California State Senate
"US Small Buiness Administration Office of Disaster Assistance is pleased to honor Karen Reimus in recognition of her perseverance, dedication and optimism in assisting California Communities rise above the impact of the Southern California Wildfires."
U.S. Small Business Administration
“Our collaboration is a good example of a small but effective non-profit organization delivering valuable services and support to a large entity.”
“The claims assistance workshops, referrals and many resources (United Policyholders) provided were extremely helpful and a tremendous benefit to the residents affected by the disaster.”
“Together, we are all working towards a shared goal of a more resilient Bay Area.”
American Red Cross
“Whenever I felt confused about any topic I first looked it up in the yellow book. Then I could go deeper based on what I read. Or I knew when to call it good.”
Wildfire Survivor 2014
"The workshop was really informative! We learned so much from your panelists, and plan to use all this good info as we move forward. Thanks so much!"
Carolyn Tuite, San Bruno Explosion/Fire Survivor 2010
“We recommend (UP) to any other city or county whose residents have suffered catastrophic property losses. United Policyholders is a 501(c)(3) with subject matter expertise in insurance recovery and has been a valuable resource to our community.”
Larimer County Commissioners Office
“Certificate of Appreciation in recognition of your outstanding contributions to the Third Supervisorial District and the County of San Diego.”
County of San Diego
"Your home is probably underinsured. Don't wait to find out the hard way like we did. UP's tips will help you avoid a nightmare and protect your most valuable assets."
Ken Klein, Wildfire Victim 2003
"Thank you for your presentation and important information to our community on insurance policies and various coverages."
Rancho Bernardo Community Council
"I want you to know that I will be forever indebted to you and all of the other volunteers that gave so freely of their time to help otherwise complete strangers through a very difficult ordeal. I could not have come this far without you. Thank You"
Ben F., Wildfire Survivor
“United Policyholders organization should be the first line of information to all fire victims. They are positive people who are earnestly trying to help others through a difficult time. They can provide professional people and lay people to answer most any question a fire victim could have.”
Janice Johnson, Wildfire Survivor 2013
“From the survivor surveys to their Roadmap to Recovery workshops, UP is a critical component in recovery for not only families but for communities.”
Karla Heard-Price, Waldo Canyon Fire Survivor 2013
“United Policyholders is a 501(c)(3) with unique expertise in insurance recovery and financial preparedness and a teaching team that has proven valuable to our citizens.”
El Paso County, CO
“I want to thank the team at United Policyholders for their outstanding work on behalf of California consumers over the past two decades.”
Dave Jones, CA Insurance Commissioner
"On behalf of all the residents affected by the San Bruno/Glenview fire and the Department of Insurance staff, I would like to personally thank you for your participation in the San Bruno Insurance Recovery Forum...the forum provided fire survivors in the community the opportunity to ask questions, receive information, and express their concerns..."
Steve Poizner, CA Insurance Commissioner
"The UP Roadmap to Recovery Program raised awareness and educated Sandy-affected families on the importance of properly documenting losses and negotiating home and flood insurance settlements."
New Jersey Relief Fund
"This group provided valuable information and support for those who lost their homes in the Fourmile Fire two years ago and they have worked in many other communities that have suffered propertydamaging disasters. I recommend them without reservation."
“I am so very grateful for the help as it is a true insider's guide to wading through the quagmire after a catastrophe. Thank you, thank you, thank you!!!”
Marjie, Superstorm Sandy Survivor
“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.”
El Paso County, CO
“UP has been a shining light for the past twenty years after virtually every major disaster in California.”
“UP is one of the only consumer advocacy groups that we have worked with that is solely committed to the consumer and has no other motives or desires that may conflict with that commitment.”
California Department of Insurance
“I don't know how we would have found answers or how to begin if they had not coached us through the process.”
Wildfire Survivor 2014
“Your involvement helped us achieve our goal of brining together three major stakeholders for fire prevention; Fire officials, Consumer groups and the Insurance Industry to discuss mitigation and preparation for future potential fire disasters.”
Steve Poizner, CA Insurance Commissioner
"I can't thank you enough for watching all the fine print and ensuring what we need."
Fire Survivor 2013
“Thank you does not say enough.”
Wildfire Survivor 2014
“UP representatives have worked diligently to assist individuals as they dealt with the myriad complexities of navigating their insurance claims.”
“They have been instrumental in working to improve laws related to fail claims handling practices.”
“The advocacy services they provide allowed our fire survivors to take charge of their recovery efforts early on and created a foundation...
Rancho Bernardo Community Presbyterian Church
“I highly recommend bringing United Policyholders into your community. My only regret is that we didn’t bring them in sooner.”
Boulder County, CO
"Their Roadmap to Recovery program offers a range of support serices that have helped our residents move from tragedy to recovery."
City of San Diego
"Thank you for all the work United Policyholders is doing to protect the public. I truly appreciate your organization in the fight to improve the landscape of home insurance coverage."
Nancy, Witch Creek Fire Survivor
“The information you gave to the communities and fire victims was extremely useful and I am sure appreciated by everyone.”
John Garamendi, CA Insurance Commissioner
"Thanks for your excellent website. My insurance company was giving me a hard time, but now I'm finally able to understand the process."
2008 Vandalism claimant
"Thank you for taking the time to share your thoughts and priorities in the Insurance Lobbyist and Communications Group."
Insurance Information Network of California
“Our employees appreciated the practical help they got from UP, and that UP looked out for their best interest after Hurricanes Katrina and Rita."
HR Policy Specialist, Chevron Corp.
Roadmap to Preparedness
Insurance benefits can be the number one aid that helps people get back on their feet after an adverse event. Households without the financial safety net insurance provides often lose the assets they have worked hard to build. The Roadmap to Preparedness program teaches financial and disaster preparedness through insurance literacy outreach and education in partnership with civic, faith based, business and other non-profit associations.
Having the right amount and type of insurance and well-organized records makes a world of difference after a disaster, disabling injury or illness or accident. Our educational materials and tools are drawn from twenty plus years of post-disaster Roadmap to Recovery work and monitoring insurance litigation and legislative matters. We do not accept funding from insurance companies. We do not sell insurance. Our plain-talk consumer-oriented financial guidance and tools help people make good insurance decisions and be more resilient by sharing lessons people have learned while using their insurance after a loss. We also tap into the expertise of our unique corps of volunteer experts including property/casualty, life, disability, health and auto agents, brokers, lawyers and construction professionals.
Roadmap to Preparedness program services include:
Insurance Preparedness Library
Use our preparedness library to find publications, articles and resources to make sure your insurance safety net is adequate. Our Tip of the Month tackles hot topics in insurance and preparedness. These consumer resources can help you avoid many of the problems we’ve seen in our twenty years helping people with home, business, health, life, disability, and auto insurance claims. We know you want to pay the least for the most. But we also know you want to be covered if something bad happens.
Home Inventory and Evacuation Tools
In our over twenty years of working with disaster victims we have seen over and over again how time-consuming and emotionally painful it is for people to prepare the detailed loss inventories that insurers and the IRS require. And, especially after a traumatic loss, it’s impossible to remember everything you had, so most people never collect their full insurance benefits. Anyone with a pre-loss inventory has a huge advantage in the recovery process.
Home Inventory App: The UPHelp Home Inventory App inventory is a free computer app for phones and tablets that gives you an easy and fast way to document your property and securely store the records. Hopefully, you’ll never need your inventory, but if you do, you’ll be so glad you created it.
Home Inventory Flashdrive: The UP Home Inventory Preparedness Flash Drive will help you stay one step ahead of Mother Nature by documenting your household belongings before disaster strikes.
Home Inventory Spreadsheet: Our easy-to-use UP Home Inventory will help you list the contents of every room in your house. We created our inventory tool from the most comprehensive lists that past disaster survivors created and used to get paid in full on their insurance claims. Benefit from lessons that others learned the hard way.
Evacuation Check List: When told you have to evacuate your home, you may feel overwhelmed on what to take. Along with sentimental items that are irreplaceable, this is a short list of important documents that disaster survivors highly recommend you take, based on their personal experiences.
Roadmap to Preparedness Educational Workshops
UP offers workshops and speakers for public and private events aimed at promoting and facilitating disaster preparedness. Our presentations, exercises and materials encourage audience participation and are in plain language and tailored to the local risks in a geographic area. To schedule a workshop in your community, email firstname.lastname@example.org. [Speaker availability is subject to funding and community support]
Insurance Shopping Guides
Use our publications when buying insurance to filter out clever ads and intimidating legalese. Avoid wasting money and the painful and expensive “surprises” people struggle with when the policy they thought would be their safety net turned out to have gaping holes.