Consider buying flood insurance
Consider buying flood insurance

Unless a bank requires you to buy it, you probably aren’t paying for flood insurance on your home. Maybe it’s because you don’t live near water. Maybe it’s because your community mapping is outdated. Maybe it’s because an insurance agent said you don’t need it. Maybe…
After the storm: How to fight your insurance company
After the storm: How to fight your insurance company

If the aftermath of past hurricanes is any indication, many Texas homeowners will have to do battle with their insurance companies when Harvey finally runs out of wind and water. “Prepare to push for a fair and full insurance settlement,” said Amy Bach, executive director…
Forbes Op-Ed: Insurance Isn’t Going to Help Harvey Victims
Forbes Op-Ed: Insurance Isn’t Going to Help Harvey Victims

Once again, a storm has devastated a region and broken records. Hurricane Harvey dropped so much rain on Texas, the National Weather Service had to add new colors to its map graphics. Where will the money come from to repair the damage? We know it…
Basic Storm Stats – Texas Hurricane Harvey
Basic Storm Stats – Texas Hurricane Harvey

Dates of the hurricane: Incident Period: August 23-September 15, 2017 Major Disaster Declaration: August 25, 2017   Wind speed: 130mph (Category 4) at landfall in Rockport, Texas   Peak rainfall:[1] 40-61 inches 51.88 inches fell in Cedar Bayou in less than five days   Affected…
Be Prepared to Push Insurance Companies for Fair Treatment After Hurricane Harvey, UP Advises
Be Prepared to Push Insurance Companies for Fair Treatment After Hurricane Harvey, UP Advises

United Policyholders Offers Texans Free Home Inventory App, Provides Guidance to Residents for Before and After the Storm As Gulf Coast communities brace for Hurricane Harvey, the national insurance consumer non-profit United Policyholders UP) has a special message for Texans: “Be prepared to push for…
FEMA extends deadline for Superstorm Sandy flood insurance claims review
FEMA extends deadline for Superstorm Sandy flood insurance claims review

The Federal Emergency Management Agency (FEMA) has extended the deadline for policyholders to respond to its offers under the Superstorm Sandy flood insurance claims review process. Lack of responses Last month, FEMA sent out a letter notifying policyholders, many of whom had been offered money…
New York Regulator Seeks Details From Life Insurers Using Algorithms to Issue Policies
New York Regulator Seeks Details From Life Insurers Using Algorithms to Issue Policies

New York’s top financial regulator is investigating life insurers’ use of big data, complicating the industry’s efforts to boost sales by forgoing medical examinations in favor of algorithms for sizing up risk. New York’s top financial regulator is investigating life insurers’ use of big data,…
Guest Blog: United Policyholders Amicus Project Scores Victory For Texas Homeowners and Businesses
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…
House Committee Adds 5 More Bills to Its Flood Insurance Reform Package
House Committee Adds 5 More Bills to Its Flood Insurance Reform Package

The House Financial Services Committee advanced five flood insurance proposals on Wednesday, adding to the two bills it passed last week. The House measures seek to reform and reauthorize the National Flood Insurance Program (NFIP), which is set to expire on September 30, for five…
House Committee Advances 2 Flood Insurance Bills; More to Come
House Committee Advances 2 Flood Insurance Bills; More to Come

The House Financial Services Committee on Thursday passed two bills to reform the National Flood Insurance Program (NFIP). One is a broad reform proposal that seeks to encourage more private insurance and move the program toward actuarial-based rates, while the other addresses premium credits for…
Will private insurers rescue leaking flood insurance program – or drown it?
Will private insurers rescue leaking flood insurance program – or drown it?

Privatizing federal programs is a mantra of President Trump and the Republican-controlled Congress. The National Flood Insurance Program NFIP) — up for renewal at the end of September — is a perfect target. Already in debt to the tune of $25 billion, plagued by scandals,…
The Ultimate Guide to Home Insurance for Dog Owners
The Ultimate Guide to Home Insurance for Dog Owners

Shopping for home insurance can be a challenge if you have a dog–especially if its breed is seen as dangerous. This guide will help you get a policy and affordable rate) regardless. Sixty-five percent of US households have a pet, according to the 2015-2016 National…
The “Catch UP” webinar series: Successfully mediating insurance cases
The “Catch UP” webinar series: Successfully mediating insurance cases

The fourth installment of Catch UP was a success! Catch UP on how to successfully mediate insurance cases.  Registration fees support our non-profit’s important work empowering the insured.  A recording of the webinar is available for purchase at www.uphelp.org/catchup.  The one-hour long segment of Catch UP, hosted…
Tried and true may be best for you
Tried and true may be best for you

Does the idea of skipping the traditional blood and urine test to buy life insurance appeal to you? Some life insurers are using “big data” tools to size you up and price your policy instead of tried and true underwriting based on medical tests. The…
This family lost everything in one of California’s worst wildfires. Now, they’re almost home
This family lost everything in one of California’s worst wildfires. Now, they’re almost home

COBB MOUNTAIN The wooded path between Maya Leonard’s house and the elementary school where she is a sixth-grader remains scarred and blackened, a reminder of the epic wildfire that stole so much from this community on a September afternoon in 2015. But as she has…
Why Poor Credit Can Triple Your Homeowners Insurance
Why Poor Credit Can Triple Your Homeowners Insurance

It’s no secret that credit scores play an increasingly important role in our financial lives, determining everything from whether we qualify for a mortgage to what interest rate we’ll get on a new credit card. What still may surprise some, however, is how significant credit…
Gardening and Hardening
Gardening and Hardening

We think your insurance company should help and reward you for taking steps to make your property less likely to be damaged or destroyed in a wildfire. We are working hard to make that happen. This is the official start of wildfire season, and now…
Delaware Ranks High Among States for Homeowners’ Insurance Protections
Delaware Ranks High Among States for Homeowners’ Insurance Protections

Dover, DE – Delaware homeowners are among the most protected in the nation against having their homeowners insurance non-renewed or rates raised due to filing or even inquiring about a claim. This is according to a recent study by the Rutgers Center for Risk and…