As the painful process of recovery begins for those whose homes have been damaged or destroyed by tornadoes, storms, or flooding in Alabama, Arkansas, Georgia, Florida, Louisiana, Mississippi, Missouri, Oklahoma, or Texas the focus will be on photographing and removing debris, inventorying losses, negotiating insurance payments and grieving.
In the months ahead, impacted residents will have to plow through paperwork and make important financial decisions. The word most commonly used to describe people’s mind set after a natural disaster is “overwhelmed.” While insurance payments can’t bring back cherished mementos, they are critically important on the Road to Recovery.
UP offers tips, information, sample letters and tools to help each person recover the full amount they’re entitled to and avoid and solve problems during the insurance claim adjustment process. Our resources draw on the personal and professional expertise of our volunteers and staff, many of whom lost homes in past disasters. UP does not sell insurance, give legal advice or represent individuals in claim matters. Rest assured, our information and resources are designed to help you, the consumer…no catch, no hidden agenda.
This site will be updated regularly.
SPECIAL NOTE: The America Bar Association’s Young Lawyer’s Division Disaster Legal Services Program is providing free legal help to victims of Missouri flooding in partnership with FEMA. United Policyholders is an official resource for the DLS Program. Call 1-800-829-4128 for help.
- Alabama Department of Insurance
- Arkansas Insurance Department
- Georgia Office of Safety and Fire Commissioner
- Florida Office of Insurance Regulation
- Mississippi Insurance Department
- Missouri Department of Insurance
- Oklahoma Department of Insurance
- Texas Department of Insurance
- Louisiana Department of Insurance
- Wisconsin Department of Insurance
- FEMA Disaster Declarations
- ABA Young Lawyers Division: Disaster Legal Services Program
- National Disaster Legal Aid
Expert Answers to Your Questions: The ”Ask an Expert” tool is an easy and safe way to ask direct questions to attorneys, claims professionals and previous disaster survivors who serve as UP volunteers and get the answers you need. The expert doesn’t see your contact info, but you can contact them if you want to follow up on their answer. Please visit the “Ask an Expert” forum here.
- The Disaster Recovery Handbook/Household Inventory Guide: Since 2006 “The Disaster Recovery Handbook and Household Inventory Guide” has been a trusted book that’s led thousands of people through the process of overcoming obstacles to repairing and rebuilding after a major loss. The book is written in plain language by disaster survivors for disaster survivors with tips and expert advice from legal, insurance and personal finance professionals.
- Inventory/Personal Property Claim Worksheets (Excel doc) – United Policyholders Home Inventory Worksheets for you to complete and save on your computer or recovery flash drive
NOTE: United Policyholders respects and protects the privacy of all who communicate with our organization. We do not share or sell our mailing lists. Sign up to receive information and alerts from United Policyholders
Getting Organized, Informed and Empowered
- Top 10 Insurance Claim Tips
- Sample Letter Requesting Complete Copy of Homeowners Policy
- Survivors Speak: Additional Living Expense (ALE)/Loss of Use
- Sample Letter Requesting Information About Insurance Benefits for Temporary Living Expenses (“ALE” or “Loss of Use”)
- General Claim Tips
- Speak UP: How to communicate with your insurance company
- Simplified Guide to Your Homeowners Guide
Getting Debris Removed
- Taking Care of Yourself Along the Way
- Choosing a Contractor
- Being Pro-active in Documenting and Valuing Your Losses
- Getting help if/when you need it