I had a fire on October 23, 2024. It was a total loss. I then found out I was grossly underinsured. The company had at least three different agents in the 8 years I had coverage with them. I took what money I had and bought a house that is much less valuable. At the end of March, 2025, a tree fell on the porch and my insurance company is giving me grief over it. I was not going to fight my not being insured properly, but with the new circumstances, I’d like to know if I have any cause of action at all.
Crystal Vickers asked 2 months ago 1 Answers
Hi Crystal, We are sorry to hear of your situation. Given the facts you shared, you have two separate claims with two separate policies. You will need to work directly with the current carrier on the porch damage claim; this claim is not related to your prior policy.
The question of whether your agent may be negligent in the creation of your insurance policy is a legal question. Different states have different standards for such liability. We encourage you to share your story with a qualified attorney and get their advice. UP does have a professional help website page that may assist you in finding the right attorney for your situation, which you can review here:
https://uphelp.org/sponsor-location/california/
We wish you all the best, UP staff
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