User Profile - United Policyholders

Stacy Tucker

Stacy Monahan Tucker has spent her professional life immersed in the complex world of insurance. After working as a management consultant for national insurers, she attended the University of Chicago Law School and began representing insurers in litigation. She has decades of experience in disability insurance, life insurance, and property insurance coverage issues.

After working at some of the top white shoe defense law firms in the country, Stacy decided to take her years of experience and knowledge of the inner workings of insurers and use them to help policyholders in life, long term care, disability litigation and catastrophic property claims. Stacy has a particular interest and expertise in helping insureds who find themselves victims of underinsurance after losing their homes in a disaster.

Since she began representing policyholders, she has obtained tens of millions of dollars in settlement awards for her clients. She practices throughout the country and is admitted to California, Oregon, Washington, Arizona and Nevada state bars.

Community Activities

Insurance company says my loss is not covered

On March 20 a highly rated roofing company (D&D Roofing from Sparks NV) began replacing the roof on my 2 story 4 plex apartment in Quincy, CA. They finished the job on Friday March 22. Within 12 hours heavy rain started and apt #4 was…

Stacy Tucker answered 1 year ago • Coverage Question • California

625 views1 answers

Fire personal Loss inventory list detail and time extension

We lost our home and property in the Caldor Fire (8/17/21). As it turns out, we lost more more than what we had coverage for. My State Farm-issued spreadsheet is asking for make, model and replacement value of all items. There is no way we…

Stacy Tucker answered 2 years ago • Contents inventory • California

2821 views1 answers

Debris Removal Payment Problems

Hello, I seek your insight about a dilemma I’m facing with State Farm regarding debris removal payment. For context, I lost my house in the CZU Lightning Complex in August 2020. After State Farm issued its last Dwelling payment in September 2021, I informed my…

United Policyholders answered 3 years ago • Debris Removal, General Question • California

3474 views2 answers

Spray Foam Insulation Toxicity Following Exposure to Heat

My home was in the Tunnel Fire in Flagstaff, AZ in April 2022. While the homes around mine burned down, mine did not, primarily because we built it to be fire resistant. Following the fire, we had an industrial hygienist conduct a survey to identify…

Stacy Tucker answered 3 years ago • Remediation • Arizona

1793 views1 answers

Insurance is giving me less than estimates I received

Hello, We recently discovered a slow leak in our kitchen that resulted in mold and partial removal of cabinets, backsplash, countertops and walls. Our insurance company sent out a contractor to do the removal of damaged items and mold. He also provided us with an…

Stacy Tucker answered 3 years ago • Coverage Question • California

1225 views1 answers

Condemned to Fair Plan while the neighbors dance

I live in South Placer county in a 31 HO community in a moderate fire district by CalFire map standards (which seems accurate based on fires for many years). Recently, Safeco decided to drop our fire coverage for reasons that do not match our property;…

Stacy Tucker answered 3 years ago • Cancellation / Non-Renewal • California

785 views1 answers

PERSONAL LOSS INVENTORY FREQUENCY OF SUBMISSION

My adjuster at State Farm requested that I do not submit more lists until they analyze the previous one that I submitted. We are concerned because it has been almost 2 months since our previous submission and we want to submit receipts for those items…

Stacy Tucker answered 3 years ago • Contents inventory • California

865 views1 answers

Tracking what the insurance company paid by line item in the personal loss inventory

Are the insurance companies required to provide an itemized list of what was paid for each line item in the personal inventory list and follow-up when receipts of associated purchases are provided? State Farm has provided a confusing Payer Tracker Worksheet which doesn’t add up…

Stacy Tucker answered 3 years ago • Contents inventory • California

3984 views1 answers

Colorado HB 22-1111 retroactive?

My initial impression was that House Bill 22-1111 (signed June 2022) would not be retroactive to previous Colorado wildfire survivors. However, Rep. Amabile said many provisions are intended to be retroactive. As I have been unable to rebuild, here are the specific provisions I would…

Stacy Tucker answered 3 years ago • Coverage Question • Colorado

1076 views1 answers

Time Limit to file lawsuit in CO for underinsurance

We lost our house last December in the Marshall Fire. I am still working on settling my claim with Amica. How long do I have to file a lawsuit in Colorado for underinsurance of my structure? Thanks, Mark

Stacy Tucker answered 3 years ago • Underinsurance • Colorado

1786 views2 answers

What kind of professional analyzes homeowners home insurance policy and practice in relation to relevant laws, regulations, and rules, etc?

Our house was destroyed in the 2021 Marshall wildfire. We, like about 90% of the others whose homes were destroyed in these fires, were underinsured. My wife and I are prepared to move forward with rebuilding but our insurance company is expressing unwillingness to provide…

Stacy Tucker answered 3 years ago • Underinsurance • Colorado

730 views1 answers

Adjuster says claim closed– But we haven’t even started work!!!

I had damage to my structure- roof and exterior walls- from a tree that was struck by lightning struck and then thrown atop my house in the CZU-Lightning Complex events Aug 16, 2020. I have had ongoing delays with the Santa Clara County Building Department…

Stacy Tucker answered 3 years ago • General Question • California

1626 views1 answers