CA legislature enacts helpful insurance reforms
CA legislature enacts helpful insurance reforms

The California legislature, after hard work by North Bay lawmakers, the Department of Insurance, concerned citizens, and United Policyholders enacted several useful insurance-related bills this session that are awaiting the Governor’s signature. Although retroactivity provisions were removed, (which means victims of the 2017 wildfires can only use them indirectly as…
Guest Blog: Policyholder Victories Underscore Value of Crime Insurance for Cyber Fraud
Guest Blog: Policyholder Victories Underscore Value of Crime Insurance for Cyber Fraud

If you suffer a theft at the hands of a cybercriminal, promptly check your insurance protection — particularly your crime insurance. Two major federal court cases decided this summer reaffirm the protection many policyholders already have available to them for cyber scams. With cybercrime rampant,…
Slow as molasses in January? MS residents deserve insurance fairness
Slow as molasses in January? MS residents deserve insurance fairness

After Hurricane Katrina decimated communities in his home state of Mississippi, concerned citizen Kevin Buckel was outraged to learn that the average insurance payout to the victims was only $15,000 – far below what people needed to repair, rebuild and recover.  He looked around at…
Guest Blog: Room for improvement in Michigan, Professor Jay Feinman
Guest Blog: Room for improvement in Michigan, Professor Jay Feinman

United Policyholders (UP) and the Rutgers Center for Risk and Responsibility are partners in an Essential Protections Project (EPP).  We compiled an extensive database of state law and made recommendations for reforms. The goal of EPP is to give lawmakers templates for legislation that will protect…
UP to FEMA – Please extend Harvey and Irma deadlines
UP to FEMA – Please extend Harvey and Irma deadlines

On August 22, 2018, United Policyholders asked the top brass at FEMA and the National Flood Insurance Program to give hurricane-impacted residents until the end of this year to fully document their 2017 Harvey and Irma damage claims and collect all flood insurance benefits owed…
Third Lava Lawsuit Filed Against Lloyd’s of London
Third Lava Lawsuit Filed Against Lloyd’s of London

Two homes are consumed by the massive flow and a third is threatened as the lava advances downslope. PC: Paradise Helicopters/ExtremeExposure/Bruce Omori Another lava lawsuit has been filed against Lloyd’s of London, according to Hawai‘i Attorney Jeffrey Foster, who is representing Susie Osborne, the founder…
Roadmap to Recovery: Getting Results
Roadmap to Recovery: Getting Results

The North Bay wildfire recovery truly is a marathon – and we are all in it together.  We have passed the 6-month marker and are continuing on the road to recovery. Our six-month survey results show the pace of recovery: 80% of survey respondents have NOT settled…
Volcano Watch: Many forms of sulfur are found on Kilauea Volcano
Volcano Watch: Many forms of sulfur are found on Kilauea Volcano

For many Hawaii residents, interactions with Kilauea Volcano’s eruptions is through vog — a hazy mixture of sulfur dioxide gas and sulfate particles. However, sulfur on Kilauea is not limited to vog components. Sulfur is an exceptional element in that its atoms have a range…
Watts UP: Progress in Puna
Watts UP: Progress in Puna

United Policyholders has been guiding Hawai’i residents on insurance matters since the Kilauea volcano erupted and released burning lava that destroyed homes and neighborhoods in the Puna region of the Big Island. Over 220 people attended the first forum we co-hosted in the area, and…
Regulators and the Predictive Modeling Challenge
Regulators and the Predictive Modeling Challenge

Big data, predictive models, neural networks — the world of insurance pricing is changing fast, as any actuary can attest. It falls to the regulators — some of them actuaries — to figure out how get the old rules to apply to this new world.…
Postfires reconstruction hums along in Santa Rosa’s Coffey Park
Postfires reconstruction hums along in Santa Rosa’s Coffey Park

This story originally appeared on PressDemocrat.com. The morning sun had risen nearly to the top of three burned trees when Samuel Garcia began framing the wall for a new home in Coffey Park. The mustachioed Garcia, wearing a soft-brimmed hat and suspenders that held up…
Mind the gap – Fill the holes
Mind the gap – Fill the holes

Any time the topic of insurance catches your attention is a good time to check on yours. Exclusions and high deductibles cause major protection gaps. Once again a UP R2R survey documented that 2/3 of wildfire survivors don’t have enough insurance to pay for their…
Thomas Fire and Debris Flow – Roadmap to Recovery Workshop June 26, 2018
Thomas Fire and Debris Flow – Roadmap to Recovery Workshop June 26, 2018

Our next Roadmap to Recovery workshop for Thomas Fire Survivors will be held on: Tuesday, June 26th from 5:30-7:30pm Montecito Union School Auditorium 385 San Ysidro Rd., Santa Barbara This workshop will cover navigating your insurance claim, asserting your rights, and sources of help. This workshop…
Below the law, below the belt
Below the law, below the belt

Liability insurance is considered such an essential protection in our society that anyone who drives is required by law to buy it in every state except New Hampshire. Renters and homeowners buy it. Businesses buy it. Why? Because accidents happen, people get hurt, property gets…
Hawaii Big Island UPdate
Hawaii Big Island UPdate

SPECIAL ALERT FOR PUNA RESIDENTS: Organizations to host insurance forum for residents affected by lava flows PUNA, HAWAII (HawaiiNewsNow) – As the number of homes lost to lava since eruptions began climbs to 87, many lower Puna residents are uncertain about what — if anything — they’ll have to…
Improve disaster recovery through insurance reform
Improve disaster recovery through insurance reform

Insurance funds can and should fuel an individual’s or business’s ability to repair, rebuild, and regain financial health after a disaster. But as our surveys show, these funds don’t always flow as they should. Overly detailed proof requirements, bureaucratic delays, confusing depreciation, and unreasonably short…
UPdate on remedies for UNDERINSURED CA disaster survivors
UPdate on remedies for UNDERINSURED CA disaster survivors

Wildfire survivors in regions throughout California are using UP’s guidance on how to remedy the fact that they are grossly underinsured.  Upon learning that assurances they’d gotten and relied upon from insurers, agents, and brokers that their homes were adequately insured were untrue – these…
The Results Are In…
The Results Are In…

The bad news: Inadequate insurance and loss valuation disputes are slowing recovery from the devastating 2017 wildfires in Northern CA, according to UP’s most recent Roadmap to Recovery survey. A full 6 months after losing their homes, 80% of survey respondents have NOT settled the…