The following books about insurance claims help and the insurance industry have been reviewed for United Policyholders. For more information please e-mail your questions or concerns to info@uphelp.org

Books on Insurance Claims Help

  • The Disaster Recovery Handbook and Household Inventory Guide
  • Claim Paid, A Consumers Guide Through the Insurance Claims Maze
  • The Claims Game: How to Win at Negotiating Insurance Claims
  • Fight Back & Win, How to Get your HMO and health insurance to Pay Up
  • Get Your Claim Paid: A Pro-Active Guide for Handling the Most Difficult Part of Insurance
  • The Household Inventory Guide
  • How to Make Insurance Companies Pay Your Claims
  • How to Win the Insurance Claim Game
  • Payment Refused
  • Policy Ensurance
  • Top Dollar Property Claims: Secrets to Successful Insurance Claim Settlements
  • Your Credit Score, How to Fix, Improve and Protect the 3 Digit Number that Shapes your Financial Future

Books on Insurance Industry Information

 

  • The Game of Insurance, How Insurance is Conducted in California
  • Insult to Injury, Fraud and the Big Business of Bad Faith
  • The Invisible Bankers

Recommended for:

Property Insurance Claimants with full loss
Property Insurance Claimants with a partial loss
Medical/Life insurance claimants
Auto insurance claimants
Insurance company employee
Lawyer preparing for trial with insurance company
Anyone wanting to learn more about the industry
Potential policyholder wanting info on buying a policy
Insurance Claimant who wants to hire a lawyer.

Book
Review
 
 

Policy Ensurance

Tony Braga
Acorn Library; 2005

This book does an amazing job of putting you in the right mind set for moving through the claims process. The book is packed with useful information. It lists insurance deadlines, has blank forms as well as example forms showing you how you should fill them out. The book covers the history of property insurance as well as insurance company monetary statistics, lists of regulatory authorities, unfair claims practices codes and regulations, quotes from adjusters training books and California 's Unfair Practice insurance Codes. The case histories will be interesting to attorneys and claimants alike.

Property Insurance Claimants with full loss

 

Payment Refused

by William M. Shernoff
William & Sons; 2004

Written by the author of "How to Make Insurance Companies Pay Your Claims", this book includes up-to-date information on insurers' efforts to avoid legal liability for unfair claim practices by lobbying for tort reform. Claimants seeking to understand insurers' strategies will want to read this book along with one of the books that goes into more details on the technical aspects of the claims process.

Property Insurance Claimants with full loss

 

Your Credit Score, How to Fix, Improve and Protect the 3 Digit Number that Shapes your Financial Future

by Liz Pulliam Weston
Prentice Hall; 2004

The author is a writer with the Los Angeles Times who's been covering personal finance issues for many years. In simple, easy to understand language, she explains how your credit rating impacts how much you get charged for your insurance policies, and offers up-to-the-minute information on today's radically new credit scoring system. The information in this book can save you thousands on credit and insurance.

 

Get Your Claim Paid: A Pro-Active Guide for Handling the Most Difficult Part of Insurance

by James Walsh
Silver Lake Publishing; 1999

 
 

Top Dollar Property Claims : Secrets to Successful Insurance Claim Settlements

by Les Watrous
TGWB Publishing, Inc.;1998

This book is great for people with partial losses, individuals with a total loss (or even a constructive total loss), might find this book a bit lacking. For example, Mr Watrous strongly recommends using a restoration contractor, which is not necessary for claimants who've suffered a total loss. It contains useful explanations of key terms such as "resultant damage" and "proximate cause" which might help people who have covered damage which they don't know is covered. He also has lots of detail on Additional Living Expense, ("ALE") coverage.

 

Fight Back & Win, How to Get your HMO and health insurance to Pay Up

by William M. Shernoff
Bottom Line Publishing; 1998
Available via www.sbd-law.com

Real life examples of HMO claims abuses and practical suggestions for claimants who have been denied necessary, covered medical care.

 

The Household Inventory Guide

by Carol Phillips
IPP Press; 1994

This book is currently being revised and republished. It is an invaluable aid to those who've suffered total losses and want help reconstructing the contents of their home and/or settling a contents claim under a homeowners' policy.

Property Insurance Claimants with full loss
 

How to Win the Insurance Claim Game

by Ron Alford
The Plan Publishing Company; 1992

Easy to read with simple graphics to drive home the points. Offers some very helpful information. The author has a bias in favor of hiring public adjusters. The book appears to be oriented toward people with partial losses and has relatively little information for people with total losses. His timelines and exhortations to move forward quickly might leave a person in a disaster situation or with a total loss struggling with their sanity since getting a full and fair settlement of a total loss claim can take a long time.

 

The Claims Game: How to Win at Negotiating Insurance Claims

by RJ Atherton
Lambert & Morris Press, Inc.; 1991

This book was written in the voice of someone who appears to have seen way too many adjusters trick innocent claimants out of their money. With experience as an adjuster under his belt, in one section he tells the reader about questionable techniques that he has seen used by con artists that actually worked. Although these techniques can not be recommended it is interesting to see how the insurance company works through these claims.

The book also has some detail on bad faith and even shopping for an insurance policy. Ultimately his unrestrained manner will NOT be for everyone. These two sections along with negotiation techniques are pretty much the extent of the practical information available to claimants.

 

Claim Paid, A Consumers Guide through the Insurance Claims Maze

by Frank R Dumas
Stratton Press; 1990

One of the best overall books on getting through the claims process. Due to the age of the book, beware of items (especially legal tips, laws and insurance codes) which might need to be updated. Insider tips can be useful and the chapter on hiring a lawyer is especially powerful.

Property Insurance Claimants with full loss

 

How to Make Insurance Companies Pay Your Claims

by William Shernoff
Hastings House; 1990

The first section of the book offers good tips on how to keep track of your insurance claim. If you follow this advice, you will be in a far better position if there are legal issues down the road. The case histories in the last 1/2 of the book are especially interesting and can be enlightening if you have similar "bad faith" problems with your claim.

Property Insurance Claimants with full loss

Insurance Industry Information

Title
Review  
 

Insult to Injury, Insurance, Fraud and the Big Business of Bad Faith

By Ray Bourhis
Berrett-Kohler Publishers, Inc; 2005

Endorsements on the book jacket by Senator Ted Kennedy, CA. Insurance Commissioner John Garamendi, and UP co-founder Amy Bach.

An Amazon.com reader posted this review:

"If, like the average American citizen probably does, you view the insurance industry as a benevolent protector that exists to serve its' customers, you are in for one rude awakening. Ray Bourhis, who served as plaintiff's [sic] counsel in the case detailed in the book he later wrote, confronts the awesome duplicity of his adversary, one of the largest insurance underwriters in existence, a company that seemed determined not to honor its obligations at any cost. Bourhis describes the unending legal gamesmanship [sic], the obdurate refusal to settle, the psychological brutality of a company that appeared to prefer to destroy a policyholder than pay a claim on the agreed terms. The jury was not deceived and awarded Bourhis' [sic] client a $7.7 million judgment a compensation for the egregious bad faith demonstrated by the insurer. This is an absolutely revolting story of an "ends justify any and all means" philosophy run amok at the senior management level and the terrible human cost exacted from the trusting and powerless who had believed their policies would protect them in times of dire need, when illness or injury rendered them unable to work. If you ever plan on purchasing a long term disability insurance policy from any insurer, you MUST read this book first; you have no idea what you may be setting yourself up for". size="3">

 

The Invisible Bankers

by Andrew Tobias
Linden Press/Simon & Schuster; 1982

 

Even though this book was written over 20 years ago, it is fascinating to read about the history of the insurance industry and the claims culture that follows through to today. This book compares the insurance industry to the banking industry and shows the average person why the insurance industry is such a huge money maker. This book makes insurance interesting and explains why the insurance industry wants us to think it's "boring". Mr. Tobias describes why ignorance by the policy holder is key to the insurance company's success.

Due to the age of the book, much of the back half of the book is a bit outdated, but most of the principals still hold true.

 

The Game of Insurance, How Insurance is Conducted in California

by Paul Nicholas

Jade Publishing Co.; 1990