Post wildfire flooding and insurance? Forecast muddy
Post wildfire flooding and insurance? Forecast muddy

A wildfire destroys the trees, plants, bushes, and roots that hold soil in place and soak up rainwater, which in turn can lead to the kind of damage that occurred in Montecito in the aftermath of the Thomas Fire.  The “Fire-Flood Sequence” is a well-known phenomenon,…
Financial Decision-Making for Wildfire Survivors
Financial Decision-Making for Wildfire Survivors

On Thursday, January 25th, 2018 United Policyholders will host a Roadmap to Recovery workshop at the Santa Rosa High School Auditorium on Financial Decision-Making For Wildfire Survivors, 6-8 pm This workshop will cover financial and tax implications related to casualty losses and insurance proceeds.  A…
UP to the challenge: 4 simultaneous Roadmap to Recovery operations
UP to the challenge: 4 simultaneous Roadmap to Recovery operations

Last night in Ventura, California, UP oriented and empowered a room full of 200 people whose homes were destroyed in the Thomas wildfire.  Bringing the combination of seasoned empathy and technical/legal expertise that makes UP’s Roadmap to Recovery program a unique and valuable source of disaster recovery…
Our nation’s flood resiliency imperative
Our nation’s flood resiliency imperative

Our non-profit’s mission is to inform and advocate for the interests of insurance consumers – policyholders.  When it comes to flood insurance, those interests are fairly simple: Access to affordable coverage for the damage that floods do to property Policies that pay on time to repair that…
Roadmap to Recovery Report
Roadmap to Recovery Report

The scale of the devastation from the recent Northern California wildfires is just as mind-boggling as the number of homes, businesses, and lives that were impacted by hurricanes Harvey, Irma, and Maria just a few months ago. All we can do is all we can…
Private Client Wildfire Protection
Private Client Wildfire Protection

Recent media coverage has spotlighted the handful of insurance companies that offer “private fire protection” to clients who can afford the cost.  AIG was the first on the block and several others have followed suit.  The recent North Bay wildfires will generate new data on how effective this special protection…
Politics and Policyholders
Politics and Policyholders

United Policyholders is a 501(c)(3) public benefit corporation, which means we can’t endorse or oppose candidates for public office.  But without a doubt – the outcomes of elections impact our work in many ways:  Partisan elected officials choose the judges that preside over insurance matters.…
UP Petitions for CA Wildfire Insurance Investigation
UP Petitions for CA Wildfire Insurance Investigation

  United Policyholders launched a Wildfire Mitigation and Insurance Project in California in 2016 to help households in brush areas maintain insurance protection on their homes, and participate in related public policy discussions with public officials, insurance companies and other stakeholders.  In addition to publishing tips for consumers, UP is…
7 Habits of Highly Effective Roadmap to Recovery Volunteers*
7 Habits of Highly Effective Roadmap to Recovery Volunteers*

Thank you Board member Jennifer Rosdail for distributing Roadmap to Recovery Guides to Hurricane Harvey Victims in Texas and being a highly effective UP volunteer.  Jennifer is pictured here doing relief work in the Lone Star State this week with a KW Cares team member and son…
UP request granted: NFIP waives strict rules for Harvey claims
UP request granted: NFIP waives strict rules for Harvey claims

  The National Flood Insurance Program has shown strong leadership by granting UP’s request to make it easier for households and businesses impacted by Harvey to get their insurance claims filed and paid fairly and on time.  The program operates under rules set by Congress. The…
Consider buying flood insurance
Consider buying flood insurance

Unless a bank requires you to buy it, you probably aren’t paying for flood insurance on your home. Maybe it’s because you don’t live near water. Maybe it’s because your community mapping is outdated. Maybe it’s because an insurance agent said you don’t need it. Maybe…
A Flood of (tightening the) Belt(way) Attention
A Flood of (tightening the) Belt(way) Attention

Reforming and/or re-authorizing the ​National Flood Insurance Program (NFIP) has moved front and center in our nation’s Capitol in the past month, and was mentioned prominently in the budget proposal recently issued by the White House. The NFIP is basically a privatized government program created by Congress through which insurance companies and vendors…
Rainpocalypse
Rainpocalypse

If your property has been damaged due to a heavy rain and high winds, it can be tricky to collect insurance benefits to pay for repairs. Home and renters policies exclude some but not all types of water damage.  “Flood” damage (the policy should define…
Keeping “Affordable” in the ACA
Keeping “Affordable” in the ACA

Before Congress passed the Affordable Care Act (ACA, also known as “PPACA”) and President Obama signed it into law, Americans with pre-existing medical conditions were struggling mightily to find and pay for essential health insurance.  The ACA solved that problem for a large number of…
Big Data TMI and the impact on policyholders
Big Data TMI and the impact on policyholders

The terms “Big Data”, “Data Mining” and “Price Optimization” are all the buzz in insurance circles and among state insurance regulators.  They, non-profit consumer advocates, the private bar, and the Federal Insurance Office are all diving into whether the massive amount of personal data that’s…
Swamped
Swamped

Today began with a 7:30 briefing call hosted by the Coalition for Sustainable Flood Insurance, of which United Policyholders is a member.  This “can-do” coalition seeks to make flood insurance affordable and available through the National Flood Insurance Program.  They are aware of parallel efforts…
Are insurance rates going up for people on the fire line? (and other FAQ about fire insurance)
Are insurance rates going up for people on the fire line? (and other FAQ about fire insurance)

By:  Ben Bergman As posted at:  89.3 SPCC As of midday Friday, the Soberanes Fire in Monterey County had destroyed at least 41 homes and put at least 2,000 homes and other buildings at risk. Meanwhile, the Sand Fire, which has burned more than 38,800 acres in the…
Bach Talk – Forced Arbitration Exposed
Bach Talk – Forced Arbitration Exposed

UP and the consumer advocate community have been fighting for decades against mandatory arbitration wording in banking and other commercial contracts that force people to use private binding arbitration instead of public courts to resolve disputes.  Although some health insurance and most commercial property policies…