Being A Loyal Auto Insurance Customer Can Cost You
Being A Loyal Auto Insurance Customer Can Cost You

Many companies reward their most loyal customers with incentives, discounts and freebies. But in car insurance, the opposite can actually happen. A driver can be punished with a higher premium just for being loyal to the company. It’s called price optimization, and it happens to…
Why Sandy Homeowners Were Left In The Lurch
Why Sandy Homeowners Were Left In The Lurch

Superstorm Sandy’s storm surge was so strong when it hit Long Island in October 2012 that it lifted up Dan Stapleton’s Long Beach home and then kicked in the corner of the foundation. It left a 30-foot hole around his house. Stapleton, unlike many Sandy…
UP suit seeks to fix the National Flood Insurance Program’s claim appeal process so it works for consumers
UP suit seeks to fix the National Flood Insurance Program’s claim appeal process so it works for consumers

In February 2015, UP filed a lawsuit in the Federal District Court in Washington D.C. to secure complete responses from the NFIP to the three Freedom of Information Act (“FOIA”) requests we filed in 2014. Our FOIA requests seek details of the appeals process that is offered to policyholders when…
Support UP for Silicon Valley Gives!
Support UP for Silicon Valley Gives!

Who can you trust for help getting a fair deal from your insurance company?  An expert non-profit with 23 years of experience…a consumer organization that doesn’t take money from insurers or sell insurance?  That’s United Policyholders!   Please consider making a tax-deductible gift to support our work…
Louisiana Supreme Court to Insurers: “You can’t abandon your customers in their hour of need. You’re in the protection business”
Louisiana Supreme Court to Insurers: “You can’t abandon your customers in their hour of need. You’re in the protection business”

Good news for Louisiana insurance consumers came this week when the state’s highest court sided with them (and UP’s amicus brief) in Kelly v. State Farm on two important points: 1) A firm settlement offer is unnecessary for an insured to sustain a cause of action against…
Texas property owners – don’t be fooled by an anti-lawyer spin campaign on SB 1628
Texas property owners – don’t be fooled by an anti-lawyer spin campaign on SB 1628

If you own a business or home in the state of Texas, take a few minutes to make your voice heard in opposition to SB 1628 (Taylor).  This bill guts the law that protects a property owner’s rights to a fair insurance settlement where an insurer…
Proposal to restore integrity to the National Flood Insurance Program
Proposal to restore integrity to the National Flood Insurance Program

United Policyholders today called for Congress to require the National Flood Insurance Program (NFIP) to give its policyholders access to their claim files, including copies of estimates, reports and any other documents. In the wake of testimony from homeowners and comments from lawmakers earlier this…
Hurricane Sandy Judges Demand Clearing of Settlement Roadblocks
Hurricane Sandy Judges Demand Clearing of Settlement Roadblocks

Federal officials and flood insurance companies were chastised by a panel of New York judges for imposing delays on settlements with hundreds of Hurricane Sandy victims who alleged their claims were wrongfully denied or underpaid.Officials with the Federal Emergency Management Agency and lawyers for 25…
Building you UP – Roadmap to Preparedness UPdate
Building you UP – Roadmap to Preparedness UPdate

THRIVE-ing after a flood After a winter storm caused severe flooding south of San Francisco, UP answered evacuees’ insurance questions at a temporary shelter and help center in San Mateo, California. Several months later at an Enhancing Community Resilience Conference hosted by the THRIVE alliance…
Roadmap to Preparedness UPdate
Roadmap to Preparedness UPdate

THRIVE-ing after a flood After a winter storm caused severe flooding south of San Francisco, UP answered evacuees’ insurance questions at a temporary shelter and help center in San Mateo, California. Several months later at a Enhancing Community Resilience Conference hosted by the THRIVE alliance…
The stakes they gettin’ higher – Captive consumers are vulnerable consumers
The stakes they gettin’ higher – Captive consumers are vulnerable consumers

Insurance has always been a big deal to loss victims, disaster survivors, and needless to say, United Policyholders.  To the rest of the world…not so much. As to paying for insurance policies that are optional, consumers can just say no, not buying. End of story.…
AG lawsuit: State Farm enriched itself through Katrina homeowner program
AG lawsuit: State Farm enriched itself through Katrina homeowner program

Attorney General Jim Hood is suing State Farm Fire & Casualty Co. over millions of dollars he claims the state lost because the insurance company “maliciously” denied Hurricane Katrina claims for wind losses while the federally funded Homeowners Assistance Program picked up the tab.The lawsuit…
Reports Advise How to Make Flood Insurance Affordable
Reports Advise How to Make Flood Insurance Affordable

A new report suggests the federal flood insurance program may want to target mitigation grants to households with high premiums, urge homeowners to select higher deductibles, expand the educational role of insurance agents, and provide mitigation loans to help make flood insurance more affordable.These proposals…
It’s no surprise that an acronym soup designed by committee doesn’t taste good
It’s no surprise that an acronym soup designed by committee doesn’t taste good

Some of you may remember the kid’s song: “I knew an old lady who swallowed a fly…” The Sandy scandal that the National Flood Insurance Program is digging out of reminds me of that song.  An engineer hired by an IA.  A WYO hired the…
Home Warranties: Thanks and no thanks
Home Warranties: Thanks and no thanks

If you’re buying a home and a realtor or the seller gifts you a home warranty plan, you can say, “thank you very much.” If it’s one of the better plans, it can save you hassles and money on minor home repairs during the life…
FEMA will allow 144,000 Sandy victims to reopen insurance claims after fraud charges
FEMA will allow 144,000 Sandy victims to reopen insurance claims after fraud charges

Updated March 25, 2015 10:04 PMBy JOE RYAN joe.ryan@newsday.com The National Flood Insurance Program plans to begin sending 144,000 letters in the coming weeks to homeowners from North Carolina to Maine to begin the complex job of reviewing claims for superstorm Sandy victims who suspect…
Price Optimization Allegations Challenged, NAIC Investigating Practice
Price Optimization Allegations Challenged, NAIC Investigating Practice

By Don Jergler | December 18, 2014Reaction to industry-wide price optimization allegations from a consumer group known to call out insurers has been somewhat critical yet guarded – however it appears regulators may already be starting to look into the practice.Consumer Federation of America this…
Looking UP – Advocacy and Action
Looking UP – Advocacy and Action

The NFIP on the hot seat UP is using the federal Freedom of Information Act (FOIA) to obtain important data for our advocacy work on behalf of National Flood Insurance Program (NFIP) policyholders impacted by Superstorm Sandy. We began digging for information on NFIP claim…