How to slash your hurricane insurance premiums by more than a third
How to slash your hurricane insurance premiums by more than a third

Home hurricane insurance that cost $1,000 annually three-to-five years ago could cost more than twice that today. These are sobering statistics for Hawaiʻi residents thinking about updating their insurance policies after seeing the wreckage left by Hurricane Lala this month. Natural disasters around the world…
Hoʻōla LTRG, MDS and partners celebrate Valerie Hoʻopai and ʻohana’s return home to Lahaina
Hoʻōla LTRG, MDS and partners celebrate Valerie Hoʻopai and ʻohana’s return home to Lahaina

More than 150 project partners, friends, family and community supporters gathered Friday for a home dedication and blessing honoring Valerie Hoʻopai and her ʻohana in Lahaina. The blessing marked a meaningful milestone in the Hoʻopai ʻohana’s recovery journey, as they returned to a newly rebuilt…
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…
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…
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…
In Support of Insurance Reform in Hawaii
In Support of Insurance Reform in Hawaii

United Policyholders is working part to advance Insurance Reform in Hawaii.  Below is the recent testimony from UP’s Roadmap to Recovery Liaison on Maui: Aloha Chair and Members of the Committee, My name is Sherry Peterson, and I am here in strong support of SB…
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…
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…
Insurance Reform in Hawaii
Insurance Reform in Hawaii

This blog was written by Sherry Peterson, UP’s Roadmap to Recovery Liaison on Maui I began working with United Policyholders in March 2024 as the Roadmap to Recovery (R2R) Liaison and an Equal Justice Fellow. My work focused on helping Maui wildfire survivors navigate insurance…
Will Disaster Insurance Overhaul Increase Protections For Future Survivors?
Will Disaster Insurance Overhaul Increase Protections For Future Survivors?

Hawaiʻi consumers would have additional protections folded into their insurance coverage after a disaster declaration if a bundle of new Senate bills introduced this session are codified into law. While the reforms would not provide immediate help to policyholders still navigating the labyrinth of insurance…
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…
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…
Crucial Insurance Deadline Approaches for Maui Wildfire Victims
Crucial Insurance Deadline Approaches for Maui Wildfire Victims

Two-Year Deadline Tied to 2023 Maui Wildfires The deadline coincides with the second anniversary of the disaster that devastated Lahaina and other Maui communities. Under most insurance policies, replacement cost claims for property and contents must be filed within two years of the loss. Some…