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…
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,…
Insurance Companies Just Had Their Best Year in a Decade. So Why Is Your Bill Still Going Up?
Insurance Companies Just Had Their Best Year in a Decade. So Why Is Your Bill Still Going Up?

You opened your homeowners renewal notice. The number went up. Again. Maybe it was 8%. Maybe it was 14%. Either way, your first thought was probably the same as everyone else’s: Who exactly is benefiting from all of this? As it turns out, the answer…
State Farm is in Trump’s crosshairs over LA fires
State Farm is in Trump’s crosshairs over LA fires

LOS ANGELES—State Farm has burnished its reputation as the country’s largest home and auto insurer with its “good neighbor” slogan. President Trump this week offered a different take on the company: “absolutely horrible” and “not there to help!” Trump’s social-media post critical of State Farm…
The Replacement Cost Reality Check: When Home Insurance Safety Nets Fall Short
The Replacement Cost Reality Check: When Home Insurance Safety Nets Fall Short

On a crisp October day, Gershon and her husband were clearing limbs and burning leaves — a routine fall chore across the Northeast. They weren’t reckless, says Gershon. “We’re the people who look up the county codes ahead of time. Is there a certain time…
Is your home underinsured? Here’s how to tell
Is your home underinsured? Here’s how to tell

Your house isn’t just a place to hang your hat — it’s also one of your most valuable financial assets. That’s why homeowners without enough insurance can face financial ruin when disaster strikes and they find themselves suddenly homeless and unable to rebuild. The problem…
Homeowners Urged to Avoid Underinsurance as Rebuilding Costs Rise
Homeowners Urged to Avoid Underinsurance as Rebuilding Costs Rise

A new study found that 74% of homeowners who filed insurance claims after the 2021 Marshall Fire in Colorado were underinsured by an average of $139,000. With rebuilding costs rising due to inflation, labor shortages, and natural disasters, homeowners are being urged to review their…
AI and Insurance Policy Interpretation After Snell v. United Specialty: What Policyholders Need to Know
AI and Insurance Policy Interpretation After Snell v. United Specialty: What Policyholders Need to Know

The decision by the U.S. Court of Appeals for the Eleventh Circuit in Snell v. United Specialty Insurance Co. will be cited often for its holdings on policy interpretation and insurance applications under Alabama law. Perhaps the most groundbreaking analysis, likely to have long-term ramifications…
NAIC ANNOUNCES 2026 CONSUMER LIAISON REPRESENTATIVES
NAIC ANNOUNCES 2026 CONSUMER LIAISON REPRESENTATIVES

he National Association of Insurance Commissioners (NAIC) recently named 43 consumer liaison representatives for 2026. NAIC Members have long valued the voices of consumer representatives, who provide unique perspectives and insights in the NAIC’s proceedings. Regulatory policy work informed by a variety of stakeholders leads…
Soaring profits are ‘fueling tremendous anger’ among consumers as insurance rates skyrocket across the US. Here’s how to keep a lid on your premiums
Soaring profits are ‘fueling tremendous anger’ among consumers as insurance rates skyrocket across the US. Here’s how to keep a lid on your premiums

An insurance premium that ratchets up almost $1,000 over a few years is the kind of unwelcome surprise that every homeowner dreads, but that’s what happened to Cliff and Laura Pasquello, now of North Carolina, when they owned a home in Pennsylvania. “We had only…
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown

WASHINGTON, D.C. – Today, Congressman Troy A. Carter, Sr. (D-LA) and Congressman Mike Ezell (R-MS), introduced H.R. 5848, theNFIP Retroactive Renewal and Reauthorization Act, legislation to backdate reauthorization of the National Flood Insurance Program (NFIP) to September 30, 2025, while extending the program’s authorization until…
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown

WASHINGTON, D.C. – Today, Congressman Troy A. Carter, Sr. (D-LA) and Congressman Mike Ezell (R-MS), introduced H.R. 5848, theNFIP Retroactive Renewal and Reauthorization Act, legislation to backdate reauthorization of the National Flood Insurance Program (NFIP) to September 30, 2025, while extending the program’s authorization until…
Work to reduce fire insurance costs ongoing, advocates say
Work to reduce fire insurance costs ongoing, advocates say

Fire insurance is a huge pain point for foothills residents, who love their quiet mountain homes but are struggling with the cost to protect them from one of the area’s greatest threats. That frustration was evident among the nearly 200 people who came to Conifer…
Where We Stand: A Homeowners Insurance Bill of Rights
Where We Stand: A Homeowners Insurance Bill of Rights

The increasing frequency of extreme weather events, combined with the rising cost of repairs and building materials, has destabilized the home insurance market. Homeowners increasingly face skyrocketing premium prices, and many are losing coverage as insurance companies pull out of regional markets altogether. At the…
Calwood Fire ~ 5 Years Later
Calwood Fire ~ 5 Years Later

As we take a moment to mark the 5 year anniversary of the 2020 Cameron Peak, Calwood, Lefthand Canyon, and East Troublesome Fires, we take a look back at one wildfire survivor’s journey home.  Here is Kevin’s story, in his own words: “I have been…
Colorado Roadmap to Preparedness UPdate
Colorado Roadmap to Preparedness UPdate

We have been hard at work this year helping Colorado residents be adequately insured and wildfire prepared through our Roadmap to Preparedness program. Our most recent Colorado Shopping Help Webinar (watchable online) features up to date guidance from a panel of experts including the CO Division of Insurance,…
Marshall Fire Impact Report
Marshall Fire Impact Report

We are proud to share our Marshall Fire Impact Report. While there is no “end” to a recovery, there are many tangible signs that point to a healthy recovery in the greater Boulder area and UP is proud of our contribution to the process that…
Choosing the right homeowner’s insurance coverage
Choosing the right homeowner’s insurance coverage

When an emergency strikes and damages your home, knowing what’s covered in your homeowner’s insurance is essential in the recovery process. Homeowner’s insurance is crucial to owning a home, and recent changes in insurance costs and coverage might have homeowners wondering about their coverage. Homeowners…