Small words big difference
Small words big difference

Most people buy life insurance as soon as they have kids. Far fewer shell out for a disability policy, even people whose income keeps a roof over their family’s head and food in their bellies. To most people (and employers that provide benefits), a disability…
Insurers accused of rigging Sandy flood claims with slanted reports, but evidence is elusive
Insurers accused of rigging Sandy flood claims with slanted reports, but evidence is elusive

By DAVID B. CARUSO and MICHAEL KUNZELMAN, Associated PressNEW YORK (AP) — When Superstorm Sandy hit the East Coast, flood insurance companies working for the Federal Emergency Management Agency dispatched an army of structural engineers to do some detective work.Their assignment: Find out how much…
Some cry foul at Charleston Water System’s decision to loan its logo to private company
Some cry foul at Charleston Water System’s decision to loan its logo to private company

Charleston Water System, a public utility, has sold a private company the rights to use its logo in advertisements for warranty plans. CWS inked the marketing agreement late last year with HomeServe USA, a company that sells service plans for residential exterior water service lines…
Smart Insurance Math
Smart Insurance Math

With the exception of a health insurance policy, where a high deductible can give you pain in the pocketbook all year long, raising the deductible in your home, car, business, or renter’s policy is smart insurance math. A higher deductible lowers the cost of your…
The Insurance Market Mystifies an Airbnb Host
The Insurance Market Mystifies an Airbnb Host

So let’s say you decided to place your home or a few rooms inside it among the million-plus listings that the rental site Airbnb now claims to have. And let’s also say that you’re the rule-abiding sort and find the part of the company’s website…
FEMA RESPONDS TO COMPLAINTS FROM SANDY VICTIMS, AGREEING TO CONSIDER REFORMS
FEMA RESPONDS TO COMPLAINTS FROM SANDY VICTIMS, AGREEING TO CONSIDER REFORMS

Agency announces plan of action, including new advocate, and will reopen nearly 300 closed claimsMonths of pressure from storm survivors and lawmakers in New Jersey and New York culminated Friday with the Federal Emergency Management Agency committing to reform key parts of the National Flood…
Purely a bad idea – “Purely Cosmetic” Exclusion
Purely a bad idea – “Purely Cosmetic” Exclusion

Thanks for giving: Your ideas and your skills Thanks for putting UP in your wills! Thanks for the info, donations and scoop Thanks to those who keep us in the loop Now here’s our tip for the month of November A question we want you…
Governor’s request for Presidential Disaster Declaration for Puna lava flow approved
Governor’s request for Presidential Disaster Declaration for Puna lava flow approved

PAHOA, HAWAII (HawaiiNewsNow) – In response to Gov. Neil Abercrombie’s Oct. 24 request for federal aid to supplement local emergency protective measures in response to the June 27th lava flow, President Barack Obama today signed a Disaster Declaration for Public Assistance.This will provide federal funding…
Who’s got home insurance discounts for you?
Who’s got home insurance discounts for you?

Just as car insurers dole out discounts to entice drivers, home insurance companies are willing to do the same for homeowners who do their part in mitigating loss. “It’s all about risk reduction,” says Loretta Worters, a spokeswoman for the Insurance Information Institute, a New…
Does Insurance Cover Ebola Care?
Does Insurance Cover Ebola Care?

Your chances of getting Ebola in the U.S. are very slim. But if you do, who’s footing the bill? Ebola care is pricey, with estimates ranging from $5,000 to $25,000 per day, according to several health care analysts and experts who spoke to TIME. Some…
New Mexico fourth most expensive state for homeowners insurance claims
New Mexico fourth most expensive state for homeowners insurance claims

New Mexico is an extremely pricey state for homeowner’s insurance, according to a new study. The study, published by insurancequotes.com, looked at the rise in homeowners insurance premiums after making claims and found that the average premium for New Mexico policyholders rises by nearly 19…
Shake it UP
Shake it UP

“Out of sight out of mind, and I prefer it that way” is most Californians’ view of earthquakes. But the UP team sees disasters up close and personal and we know how a few simple preparedness steps can make the difference between recovery and ruin.…
Living in wildfire country? Make sure you clear a defensible space and update your insurance
Living in wildfire country? Make sure you clear a defensible space and update your insurance

There’s nothing like a mountain cabin for a great vacation getaway, a retirement home or simply a quiet and beautiful place to live. But the relaxed pace of living and the fresh scent of pine trees come with a risk — the threat of wildfires…
Live In a Multigenerational Home? Time to Revisit Your Insurance Coverage
Live In a Multigenerational Home? Time to Revisit Your Insurance Coverage

Boomerang kids – adult children moving back in with mom and dad while they save money or search for jobs – aren’t the only ones shacking up in spare bedrooms or basement suites. Rising nursing home costs have also caused many older Americans to move…
Fire, flood, mud: insurance benefits can vary greatly
Fire, flood, mud: insurance benefits can vary greatly

An estimated 45 percent of people who lost homes or property in the wildfires had no insurance, including almost all the renters. But the rest — in the midst of cleaning up debris, figuring out where they will live, buying new clothes, and coping with…
Divided opinions over value of earthquake insurance
Divided opinions over value of earthquake insurance

Tom Fuller could tell how well folks understood earthquake insurance once he mentioned that he has a policy for his damaged home in Napa. The uninitiated responded, “Well, you’re lucky.” The more knowledgeable said, “I hope you didn’t hit your deductible.” Fuller, a public relations…
Back home safe and sound
Back home safe and sound

We’ve worked a lot of disasters. But this month a hurricane hit too close to home. While on a well-deserved vacation in Mexico, our Program Coordinator was caught in the path of Hurricane Odile. After being stranded for 5 days without power, running water, cell…
Minneapolis Couple Has Insurance Warning For Homeowners
Minneapolis Couple Has Insurance Warning For Homeowners

A Twin Cities couple calls their experience with an insurance company a lesson that all homeowners should learn. David Hettlinger and his wife are still trying to recover from a storm two summers ago. Wind damaged the roof of their home in southeast Minneapolis, but…