Sandra Moriarty joined the UP staff in May 2018 after volunteering in 2017. She brings over 30 years of insurance claims experience, including more than 10 years of property and casualty claims management to our policyholder support-focused work. Sandra has skillfully guided major insurance carriers through hundreds of complex claim disputes, both litigated and non-litigated. Sandra’s extensive claims experience, coupled with her experience in the fire and water restoration industry, and success in negotiations and mediation, gives her a unique perspective on the claims handling process, which she leverages to help bring parties together to resolve claim and coverage disputes.
We live in an HOA in Ventura County, CA. Last year, Farmers dropped us and our HOA insurance increased astronomically (17 fold). Homeowners are now paying a $7600 assessment, but we still only have about 40% of the coverage we need. I changed our State…
Hi, If you evacuate due to a declared state of emergency, and there is no electricity, no heat, no hot water, does this deem your home temporarily uninhabitable? Would our insurance cover our ALE? We had to leave our home for many days in January…
I own a tattoo shop in the city of Artesia. On March 13th 2020 the city of Artesia shut my business down for 23 months for quarantine because they said we were phase 4. The city of Artesia also owns the property that I lease…
We had a fire over a year ago. From the start the insurance has been denying obvious things, delaying answers and payments, and often not even responding to our questions. After 4 months we hired a public adjuster but he was more hindrance than help;…
We lost our home in the Marshall fire and are having challenges with our law and ordinance items being funded. The codes that we need to build to are the 2021IECC codes and our insurance is saying that these costs should not exceed $50k. However,…
The “extended coverage” that they add to coverage A (that extra 20% or whatever), do you get that if you are buying a new house or only if you are rebuilding?
Why does the Insurance company have any say over a REPLACEMENT home I might choose to buy over a REBUILD? What if I want to rebuild a different home than the one that was destroyed?
I have received my 83 page dwelling estimate. It is generated through Xactimate. I have a neighbor who has a similar floor plan and model to mine and same sq ft. His estimate is significantly higher than my estimate. The difference is over $350,000. Can…
We had a total loss of our dwelling due to the camp fire. Our insurance did not offer any housing advice due to lack of availability for such a large disaster. A family member owns a house that I can lease at fair market value.…
Our insurance independent appraiser has submitted a very low appraisal of our home using very low comps and deducting the value of the land before the Camp Fire because that is what was on tax records. What is my best option to approach them? They…
We had a house fire a few months ago. going through our 200+ page inventory, I’ve learned a lot about RCV vs ACV and all the nuances that go with it! Fortunately, we purchased replacement cost. We had a 60 inch TV that they said…
