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…
California Assemblymember John Harabedian Announces Extension of the Insurance Cancellation Moratorium for Wildfire Survivors Passes Assembly Insurance Committee
California Assemblymember John Harabedian Announces Extension of the Insurance Cancellation Moratorium for Wildfire Survivors Passes Assembly Insurance Committee

On Tuesday, Assemblymember John Harabedian (D-Pasadena) announced that AB 2038, which would provide wildfire survivors greater protections from insurance companies’ nonrenewals by extending the period insurance companies must renew existing policies, has passed the Assembly Committee on Insurance. In January 2025, the Eaton and Palisades…
Wildfire Survivors, Consumer and Environmental Groups Slam State Report for Letting Utilities Off the Hook for Deadly Fires, Says Consumer Watchdog
Wildfire Survivors, Consumer and Environmental Groups Slam State Report for Letting Utilities Off the Hook for Deadly Fires, Says Consumer Watchdog

A coalition of twenty-three organizations — including wildfire survivors, consumer advocates, and environmental groups — today blasted the California Earthquake Authority’s (CEA) wildfire report for failing to hold utilities accountable for their role in causing some of the most destructive fires in state history. In…
Even Jane Kim thinks her run for Calif. insurance commissioner is a head-scratcher
Even Jane Kim thinks her run for Calif. insurance commissioner is a head-scratcher

Some people never really leave San Francisco politics. Jane Kim is one of them. After losing a high-profile state Senate race in 2016 and a mayoral bid in 2018, the former supervisor and progressive activist left office in 2019. She went on to work for…
Consumer Watchdog Claims New Regulations from Commissioner Lara Will Silence Consumer Voice in Insurance Rates
Consumer Watchdog Claims New Regulations from Commissioner Lara Will Silence Consumer Voice in Insurance Rates

Ignoring the protests of 32 consumer protection, labor, senior, immigrant, low-income, and public advocacy organizations, Insurance Commissioner Ricardo Lara has issued regulations that will make it nearly impossible for members of the public to scrutinize and challenge increases in home, auto and business insurance premiums.…
Your House Survived the Fire — Now Mold Could Be the Second Wave of Damage Your Insurance Can Cover
Your House Survived the Fire — Now Mold Could Be the Second Wave of Damage Your Insurance Can Cover

You picture a house fire and you think of smoke, flames, charred walls. What most homeowners don’t picture — until it happens to them — is the water. Thousands of gallons of it, soaked into every wall, floor, and ceiling while firefighters did their job.…
Bill to Extend Insurance Moratorium for Eaton Fire Survivors Clears Assembly Committee
Bill to Extend Insurance Moratorium for Eaton Fire Survivors Clears Assembly Committee

A bill authored by Assemblymember John Harabedian (D-Pasadena) that would give wildfire survivors in Altadena and other fire-affected areas more time before insurers can drop their coverage passed the Assembly Committee on Insurance this week. AB 2038, jointly authored by Harabedian and Assemblymember Rick Chavez…
Florida insurance commissioner says now is ‘great time’ to ‘shop around’ for better rates
Florida insurance commissioner says now is ‘great time’ to ‘shop around’ for better rates

Florida’s insurance regulators hosted a two-day industry summit in Tallahassee with a much more optimistic view of the future than in recent years. “I’m confident we are on the right track in Florida,” said Insurance Commissioner Michael Yaworsky in his opening comments, kicking off the…
SoCal homeowners face soaring insurance premiums, policies reviewed by A.I.
SoCal homeowners face soaring insurance premiums, policies reviewed by A.I.

For millions of Southern California homeowners, insurance is becoming harder to afford as rates soar. Some are even being told their policies are no longer being reviewed by a person, but instead by an algorithm. “Well, it’s not fair. It’s not fair,” said Paul, a…
California Faces $36 Billion Price Tag to Build Durable Wildfire Catastrophe Fund, State Study Finds
California Faces $36 Billion Price Tag to Build Durable Wildfire Catastrophe Fund, State Study Finds

California would need approximately $36 billion to build a wildfire fund durable enough to last 20 years with a 75% probability of solvency, which is more than double the commitment made in 2025, according to a report submitted to the governor and Legislature by the…