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…
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…
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…
Guest Blog: Will New York Ever Become a Bad Faith State?
Guest Blog: Will New York Ever Become a Bad Faith State?

Guest Blog by: Garrett J. Coleman J.D., Class of 2025, University of Virginia School of Law As it stands now, New York insureds have few options when they are wrongfully denied coverage or face unjustified delays from their insurers.  While New York does regulate the conduct of…
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…
Celebrating Inclusive Leadership in Action: A Spotlight on our 2025 Inclusive Leadership Award Finalists
Celebrating Inclusive Leadership in Action: A Spotlight on our 2025 Inclusive Leadership Award Finalists

At Greater Rochester Chamber, inclusion is not an initiative, it’s a foundation. It shapes how we lead, how we grow, and how we show up for our region. That’s why the Inclusive Leadership Award is one of the most meaningful honors we celebrate each year.…
Wildfire victims in limbo as fight with insurers hits another snag
Wildfire victims in limbo as fight with insurers hits another snag

After receiving more than 1,000 complaints from Jan. 7 fire victims about how insurers are handling their claims, state regulators are considering referring hundreds of the cases to mediation — a little used practice that some consumer advocates fear could hurt policyholders. The Department of…
Take these steps if your home or business could be damaged by NJ wildfires
Take these steps if your home or business could be damaged by NJ wildfires

As a wildfire fueled by drought near the New Jersey-New York border left an 18-year-old volunteer firefighter dead and burned through thousands of acres, forecasters are warning of an increased risk of spread throughout the week. The blaze, formally named the Jennings Creek wildfire, is…
Why Insurance Rates for New York Property Owners Are Soaring
Why Insurance Rates for New York Property Owners Are Soaring

Logan Browne thought he already experienced sticker shock from his Bushwick condo building’s insurance rate tripling last year. Then, this summer, the insurance company dropped the building, citing a “loss ratio” that Browne, the condo board president, said related to water damage claims in 2020…
Amy Bach and United Policyholders Raise Issues About Insurance Executives Taking Monies Through Excessive Payouts
Amy Bach and United Policyholders Raise Issues About Insurance Executives Taking Monies Through Excessive Payouts

Amy Bach‘s recent LinkedIn post yesterday highlighting concerns about excessive compensation in the insurance industry has struck a chord with many policyholders and consumer advocates. Bach raised these issues in a panel discussion at the American Academy of Actuaries. Her observations are particularly pertinent to…
Why Insurance Rates for New York Property Owners Are Soaring
Why Insurance Rates for New York Property Owners Are Soaring

Policies are harder to find and costlier when they are available for homeowners who are struggling to stay above water. Logan Browne thought he already experienced sticker shock from his Bushwick condo building’s insurance rate tripling last year. Then, this summer, the insurance company dropped…
Why Insurance Rates for New York Property Owners Are Soaring
Why Insurance Rates for New York Property Owners Are Soaring

Policies are harder to find and costlier when they are available for homeowners who are struggling to stay above water. Logan Browne thought he already experienced sticker shock from his Bushwick condo building’s insurance rate tripling last year. Then, this summer, the insurance company dropped…