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…
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…
Home damaged by Tropical Storm Debby? Here are helpful tips for claiming insurance payout
Home damaged by Tropical Storm Debby? Here are helpful tips for claiming insurance payout

It’s a long way from the paths of destruction carved out by such historic weather events as Superstorm Sandy and Hurricane Katrina, but Tropical Storm Debby, which cut through central Pennsylvania this past weekend, left a path of destruction with plenty of damaged roofs and…
MADE TO PAY I was stripped of my homeowner’s insurance after an ‘invasion of privacy’ – I was spied on and then hit with $14k bill
MADE TO PAY I was stripped of my homeowner’s insurance after an ‘invasion of privacy’ – I was spied on and then hit with $14k bill

HOMEOWNERS are being dropped by their home insurance after insurers admit to using aerial drones to scout properties and roofs looking for flaws. Bob Emerick, a resident of Mount Pleasant, Pennslyvania says he received documents from Travelers Insurance indicating that his policy would be dropped…
11 Investigates gets homeowner’s insurance reinstated for family almost dropped due to aerial images
11 Investigates gets homeowner’s insurance reinstated for family almost dropped due to aerial images

A local man from Mount Pleasant, Westmoreland County, reached out to 11 Investigates at a loss for what to do and just days away from having his homeowner’s insurance dropped. Bob Emerick was upset and angry and told 11 Investigates, he was left with few…
Insurance consumer advocate group unveils state-by-state guide to insurance legal rights
Insurance consumer advocate group unveils state-by-state guide to insurance legal rights

For Immediate Release:  March 13, 2023 Contact: Amy Bach, Executive Director SAN FRANCISCO, March 9, 2023 – United Policyholders (UP), a national insurance consumer advocacy non-profit, today announced a major expansion of its services. Insurance company claim adjusters are required to know and follow the…
Disputing a Denied Life Insurance Claim in Pennsylvania
Disputing a Denied Life Insurance Claim in Pennsylvania

Losing a loved-one can be devastating. The situation can be even more devastating when the future that was supposed to be secured by a life insurance policy is denied. It doesn’t make sense. The policy was purchased by your loved-one so they could ensure you…
Nonprofit Says Travelers Wrong On Asbestos Exclusion
Nonprofit Says Travelers Wrong On Asbestos Exclusion

A nonprofit consumer rights and insurance education organization has told the Third Circuit that General Refractories Co. was correctly awarded $36 million in its suit accusing Travelers of improperly denying coverage for asbestos exposure claims, saying the insurer gets Pennsylvania insurance law wrong. United Policyholders,…
Toomey, Menendez clash on flood insurance
Toomey, Menendez clash on flood insurance

WASHINGTON – A debate over the federal flood insurance program sparked cross-river crossfire today, with New Jersey Democratic Sen. Bob Menendez clashing with Pennsylvania Republican Sen. Pat Toomey over a plan to hold down premiums. Toomey, using procedural rules, blocked a plan to delay federal…
Most Americans uninformed about long-term care insurance
Most Americans uninformed about long-term care insurance
Sandy’s Crash Course on Hurricane Deductibles
Sandy’s Crash Course on Hurricane Deductibles

An insurance industry that has taken its lumps from hurricanes has come to treat them differently. Today, homeowners insurance often comes with special and potentially steeper deductibles that kick in when claims are related to the punishing storms. Superstorm Sandy recently raised awareness about hurricane…
Superstorm spotlights home insurance
Superstorm spotlights home insurance

People whose homes were damaged by superstorm Sandy will soon find out whether or not they have enough and the right kind of insurance to rebuild. In other recent disasters, one-half to two-thirds of homeowners discovered after the fact that they were underinsured, often by…
Can mortgage lenders hold your insurance money hostage?
Can mortgage lenders hold your insurance money hostage?

If your home has been seriously damaged or destroyed, your insurance company will release a check made out to both you and your mortgage lender to pay for the necessary repairs. “Lenders have a substantial investment in the property, sometimes more than the homeowner, especially…
Consumer Reports Rates Home Insurers
Consumer Reports Rates Home Insurers

Homeowners buy insurance to protect against disaster. But when disaster strikes, your insurer might not live up to your expectations, especially if you have a large claim, according to our survey of 11,250 subscribers who filed claims in the past few years. The greater the…
Enough’ Insurance is Often Not Enough
Enough’ Insurance is Often Not Enough

In the past few weeks, the most destructive wildfire in Colorado history claimed two lives, burned nearly 30 square miles and totally destroyed more than 350 homes. Like almost all homeowners everywhere in the United States, nearly everyone who lost their house to this massive…
RentSafe: Is it a safe choice for renter’s insurance?
RentSafe: Is it a safe choice for renter’s insurance?

About half of American renters don’t have insurance. Some of them probably don’t realize that it’s fairly cheap to buy coverage that’ll protect them if their place catches fire, their stuff gets stolen or even if the dog bites a neighbor. “Renter’s insurance is very…