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Smoke and Extreme Heat

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Wildfire Evacuation Tips
August 6, 2021
Wildfire Evacuation Tips

If you are told to evacuate immediately, do so. If you think you may have to evacuate, we suggest the following ASAP: 1) Document your home and “stuff.” If you do not have a home inventory, create one before you evacuate.  Take pictures or a video of each…

California seeks to establish new fire-safe standards for homes, insurers
February 9, 2021
California seeks to establish new fire-safe standards for homes, insurers

California Insurance Commissioner Ricardo Lara on Monday announced an effort to establish home-hardening standards that could protect participating homeowners from canceled policies and soaring rates while providing a mechanism to encourage fire-safe retrofits that could save lives and property. The effort, which will begin this month with…

Few California court wins for pandemic business-interruption claims
January 28, 2021
Few California court wins for pandemic business-interruption claims

As North Coast businesses grapple with insurance claims from the 2020 wildfires on top of ongoing issues with coverage for the coronavirus lockdowns of a number of economic activities, a major advocate for policyholders said those types of losses differ but they’re connected by promises…

Insurance questions following Colorado’s devastating wildfires? There’s a nonprofit that can help
January 13, 2021
Insurance questions following Colorado’s devastating wildfires? There’s a nonprofit that can help

The nonprofit group United Policyholders is helping fire-affected residents in Grand, Boulder and Larimer counties navigate insurance claims to ensure they get the most out of their policies. “We will walk them through their policy and teach them how to work with their insurance company…

Trick or treat…what’s in yours?
October 1, 2018
Trick or treat…what’s in yours?

Make sure your policy has more treats than tricks! The only thing scarier than how devastating the last year has been with wildfires, lava, flooding and hurricanes is language we’ve been finding buried in some of the insurance policies that impacted people have been showing…

Homeowners Fear Losing Insurance in Midst of California Fires
December 18, 2017
Homeowners Fear Losing Insurance in Midst of California Fires

California homeowners and regulators have a new fear about wildfires ravaging the state: that insurers will drop coverage. Massive, out-of-season fires in northern and southern California are causing billions of dollars in claims and challenging expectations of when and where to expect blazes. State law…

State Supreme Court affirms homeowner reimbursement protections supported by Commissioner Jones
August 10, 2017
State Supreme Court affirms homeowner reimbursement protections supported by Commissioner Jones

The State Supreme Court Wednesday ended a long legal battle between a Richmond homeowner and her homeowner insurance company when the court refused to consider the insurance industry’s petition to overturn a lower court’s precedent setting decision that insurers must pay to repair a home…

Guest Blog: United Policyholders Amicus Project Scores Victory For Texas Homeowners and Businesses
June 22, 2017
Guest Blog: United Policyholders Amicus Project Scores Victory For Texas Homeowners and Businesses

The availability of insurance coverage for loss or damage can hinge on the smallest details.  Did your insurer record that it received your notice letter?  Did your insurer’s investigator take note of those small but critical facts you pointed out during the investigation?  Did you…

Insurance companies dropping homeowners in Nevada County
June 22, 2017
Insurance companies dropping homeowners in Nevada County

Ted Peach, a Nevada County resident who lives on Banner Mountain, said the rate for his home insurance policy recently went up from $1,200 to $3,800. “The house has cementboard siding, metal roof, ironwood deck and has very good vegetation clearance,” he said. “Our rates…

Your CLUE report could save you money on auto and home owners insurance
June 19, 2017
Your CLUE report could save you money on auto and home owners insurance

If your car is in an accident, or your house is damaged in a storm, the insurance claims you file will wind up in your CLUE report. The trouble is most people have never heard of a CLUE report, even though the data in it…

Court rejects FAIR Plan’s policy of reduced insurance payments for homeowners in lower income neighborhoods
June 1, 2017
Court rejects FAIR Plan’s policy of reduced insurance payments for homeowners in lower income neighborhoods

FAIR Plan said the cost of repairing the lower income fire-damaged home wasn’t required, even though similar loss in a wealthy neighborhood would be covered. On Friday, May 26, homeowner Marlene Garnes won a legal victory against California FAIR Plan Association FAIR) when the California…

Justices Back Calif. Insurance Commissioner in Feud With Industry
January 23, 2017
Justices Back Calif. Insurance Commissioner in Feud With Industry

The California Supreme Court dealt property insurers a blow on Monday, reversing lower court rulings that had limited the state insurance commissioner’s authority and blocked a rule the industry had slammed as overly prescriptive and burdensome. The lawsuit by two state industry trade associations challenged…

25 years later: Oakland hills ripe for another firestorm
October 20, 2016
25 years later: Oakland hills ripe for another firestorm

Twenty-five years after a horrific firestorm killed 25 people and wiped out nearly 3,500 homes in the Oakland hills, the conditions are ripe once again for a similar — if not worse — disaster. The 1991 inferno led to improved policies and equipment for fire…

Black Forest Fire victim advises Beulah Hill Fire victims
October 11, 2016
Black Forest Fire victim advises Beulah Hill Fire victims

Sherri Bertrand shares experience of losing home. A previous wildfire victim in El Paso County is offering advice to victims of a recent fire in Pueblo County. Sherri Bertrand of Black Forest said she was out of town the first week of the Beulah Hill…

Roadmap to Recovery Workshop – Clayton Fire (Clearlake, CA)
August 31, 2016
Roadmap to Recovery Workshop – Clayton Fire (Clearlake, CA)

United Policyholders is hosting its first Roadmap to Recovery workshop for Clayton Fire survivors in partnership with UMCOR and Team Lake County on September 6, 2016. The workshop will start at 6PM and will be at the Clearlake United Methodist Church, 14521 Pearl Ave, Clearlake, CA 95422. Karen Reimus will cover insurance recovery orientation…

Valley Fire Workshop: October 8th at 6pm
October 8, 2015
Valley Fire Workshop: October 8th at 6pm

UP is hosting a Roadmap to Recovery workshop for Valley Fire survivors this Thursday at 6pm at Middletown High School. This workshop is an insurance recovery orientation and will provide information on navigating the insurance claim process. There will be a Q&A session after the workshop if you have…

Insurance nightmare continues for Mountain Shadows family
July 2, 2015
Insurance nightmare continues for Mountain Shadows family

Three years after the Waldo Canyon Fire, many homeowners still struggle with their insurance claims. Paul and Jennifer Macomber have been at odds with their insurance company, American Family Insurance, since the fire started in June 2012. Their home in Mountain Shadows wasn’t a total…

Thursday marks anniversary and deadline for Black Forest Fire victims
June 10, 2015
Thursday marks anniversary and deadline for Black Forest Fire victims

Thursday marks two years since the state’s most destructive wildfire, but it also marks a deadline for insurance policies related to the Black Forest Fire. According to United Policyholders, key deadlines include the expiration of additional living expenses/loss of use benefits, a firm deadline for…

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