Two Coasts, Two Wins For Policyholders In Environmental Coverage Disputes
Two Coasts, Two Wins For Policyholders In Environmental Coverage Disputes

Two recent court decisions on opposite coasts have delivered significant victories for policyholders seeking environmental insurance coverage, establishing important precedents for coverage disputes… Read more Two recent federal appellate decisions – one from the Second Circuit, one from the Ninth – will be useful tools…
‘It’s definitely devastating’: Mississippi brothers lost one of their homes to a tornado in minutes — here’s how families can recover financially
‘It’s definitely devastating’: Mississippi brothers lost one of their homes to a tornado in minutes — here’s how families can recover financially

On the night of May 6, a series of powerful tornadoes tore through southwest Mississippi (1). By the time the sun came up, families in Lincoln County were stepping into the rubble of what used to be their homes. Among them were two brothers from…
How to Save Money on Homeowners Insurance
How to Save Money on Homeowners Insurance

The average premium for the most common type of homeowners insurance was $1,211 in 2017, the most recent year for which data was available, according to a report issued last year by the National Association of Insurance Commissioners. That figure was up slightly from $1,192 in 2016. But that…
CA says State Farm violated the law in handling of insurance claims after Eaton, Palisades fires
CA says State Farm violated the law in handling of insurance claims after Eaton, Palisades fires

LOS ANGELES (KABC) — Insurance giant State Farm may temporarily lose its California license after an investigation found it violated the law in its handling of claims from the 2025 wildfires. An investigation found the insurance company was slow to investigate and underpaid claims from…
State Farm May Lose Its California License. Here’s What That Means for Homeowners
State Farm May Lose Its California License. Here’s What That Means for Homeowners

California is pursuing historic legal action against its largest home insurer, but for wildfire survivors still waiting on claims, the question is whether that means relief In the aftermath of Los Angeles’ devastating 2025 wildfire season, California regulators have taken their most aggressive action yet…
Governor Polis Announces New Tool to Help Coloradans Navigate Life After Disaster
Governor Polis Announces New Tool to Help Coloradans Navigate Life After Disaster

DENVER – Today, Governor Polis announced the new Colorado Disaster Recovery Navigation Tool to help Coloradans navigate recovery and rebuild after natural disasters. This new tool provides a step-by-step guide for what to do in the aftermath, immediate and long-term, of a natural disaster. “Coloradans…
State Farm under fire for hundreds of violations — but experts say Californians won’t lose coverage
State Farm under fire for hundreds of violations — but experts say Californians won’t lose coverage

Regulators want State Farm barred from writing new policies for a year for allegedly violating state law after the Los Angeles wildfires — but experts say current customers shouldn’t panic. “Auto insurance and home insurance contracts are one year contracts, and they commenced at different…
State Farm fined by California regulators over wildfire claim violations
State Farm fined by California regulators over wildfire claim violations

SACRAMENTO, Calif. – The California Department of Insurance has sanctioned and fined State Farm, the largest home insurer in both the state and the nation, for 432 violations of the Unfair Insurance Claims Practices Act and other laws. Claims stem from California wildfires What we…
Insurance companies using drones to jack rates, cancel policies: 5 ways to fight back
Insurance companies using drones to jack rates, cancel policies: 5 ways to fight back

If you think your backyard is your private sanctuary, think again. Your insurance company is probably spying on you from above. And I promise you, it isn’t doing it to admire your landscaping. It’s looking for an excuse to cancel your policy. According to a…
Indiana court rules watercraft exclusion bars Superfund coverage for barge company
Indiana court rules watercraft exclusion bars Superfund coverage for barge company

An Indiana appeals court has ruled that a watercraft exclusion in excess liability policies bars coverage for EPA Superfund cleanup costs. The Court of Appeals of Indiana handed down its decision on April 28, 2026, reversing a trial court’s finding that had sided with the…
Maui Fire Lawsuit Payouts Are Near. Few Survivors Will Break Even
Maui Fire Lawsuit Payouts Are Near. Few Survivors Will Break Even

Leslie Clark isn’t counting on money from the Maui wildfire settlement to help rebuild her family home near Front Street in Lahaina. Worrying about something out of her control “is not good for your health,” said Clark, 62, who lost her home in the August…
United Policyholders’ One-Year Los Angeles Fire Survey & the Kind of Advocacy Policyholders Deserve
United Policyholders’ One-Year Los Angeles Fire Survey & the Kind of Advocacy Policyholders Deserve

There are very few organizations in the insurance world that have earned the level of trust and respect United Policyholders has. United Policyholders (UP) is a nonprofit 501(c)(3) founded in 1991 after a Northern California wildfire exposed just how devastating underinsurance and adversarial claims handling…
USAA, State Farm win as court narrows cooperation statute scope
USAA, State Farm win as court narrows cooperation statute scope

The Colorado Supreme Court just gave insurers a new playbook for defending claims – and it could reshape how cooperation disputes play out statewide. In a 6-1 decision issued on April 27, 2026, the court ruled that Colorado’s failure-to-cooperate statute does not apply when an…
United Policyholders LA Wildfires Year One Survey Report
United Policyholders LA Wildfires Year One Survey Report

Full report and survey data Significant Findings: A substantial number, 69%, of households report being underinsured by an average amount of $247 per square foot. The dollar amount is a significant increase from underinsurance data we have collected from previous wildfires recovery surveys. Common claim problems continue…
Legislature considers bills to address home insurance issues following disasters
Legislature considers bills to address home insurance issues following disasters

Bhejay Yadao’s family had just finished converting their garage in their Lahaina home to a one-bedroom unit for their elderly grandparents. His family had used their savings to complete the project on Aug. 6, 2023. “They spent the night and the day just enjoying their…
California Insurance Commissioner Candidates Answer Climate Risk Questions at Ceres-Moderated Forum
California Insurance Commissioner Candidates Answer Climate Risk Questions at Ceres-Moderated Forum

SAN FRANCISCO — On Wednesday Ceres moderated a “first-of-its-kind” forum bringing together six California Insurance Commissioner candidates for a substantive conversation on climate risk, insurance affordability, the California FAIR plan, resiliency ideas and the future of the state’s insurance market. Held at The Historic Klamath…
Final event in Middle Colorado Watershed Council’s Fire and Water Speaker Series, ‘Firewise Futures,’ comes to Rifle’s Ute Theater
Final event in Middle Colorado Watershed Council’s Fire and Water Speaker Series, ‘Firewise Futures,’ comes to Rifle’s Ute Theater

As summer approaches, preparing for peak fire season is a priority for many Coloradans who witnessed the effects of the state’s fifth largest wildfire, the Lee Fire, near Meeker last year. The final installment of the Middle Colorado Watershed Council’s Fire and Water Speaker Series,…
Hit by flooding in Michigan? A guide to insurance, cars and homes
Hit by flooding in Michigan? A guide to insurance, cars and homes

The heartbreaking flooding we’re seeing in northern Michigan means many unsettling days ahead when it comes to dealing with loss and possible insurance claims. Many homeowners could be shocked to discover that they do not have adequate insurance — and many continue to be at…