To whom it may concern…
To whom it may concern…

Submitting comments on proposed changes to your state’s insurance laws is a no-cost way of helping protect yourself as a consumer. Your insurance company is making their voice heard – you can too! There are many proposals making their way through state legislatures across the country today that relate to the…
Trust Issues
Trust Issues

Putting your home into a Revocable Trust is an estate planning best practice. One of the many challenges in the spotlight since the recent LA wildfires are problems people are having because their destroyed home was held in a trust but the trust wasn’t named…
How to make sure a home held in a trust is properly insured
How to make sure a home held in a trust is properly insured

Most people who own real estate and do estate planning put their homes in a Revocable Trust.  By doing this, people get incapacity protections, direct who they want to inherit their property and avoid probate at death. In California, probate is a court supervised process…
Short and long term impacts of the 2025 Los Angeles Wildfires
Short and long term impacts of the 2025 Los Angeles Wildfires

The devastation in Los Angeles is horrific for the impacted home and business owners and a tragically relatable scenario for North Bay residents. This region knows all too well how quickly wildfires can destroy lives and homes, and how fierce winds impair firefighters. Sonoma and…
Winter 2024 Newsletter
Winter 2024 Newsletter

2024 Highlights: HELPING DISASTER SURVIVORS 50+ Roadmap to Recovery® events in California, Colorado, Florida and Hawaii (in-person and online workshops, Q&A forums, Survivor to Survivor support forums and Claim Guidance Office Hours) 12 new free online help libraries for hurricane, flood and wildfire survivors HELPING…
Palisades Fire: Wildfire Evacuation Tips
Palisades Fire: Wildfire Evacuation Tips

We are keeping an eye on the Palisades Fire and Eaton Fire.  Our hearts are with everyone affected by the wildfires in Los Angeles. If told to evacuate due to the wildfire, do so immediately. If you are preparing to evacuate, here are our home…
Insurance Insiders Say Regulation and Mitigation Can Keep the Industry from Retreating in Colorado
Insurance Insiders Say Regulation and Mitigation Can Keep the Industry from Retreating in Colorado

Underwriters aren’t pulling back from Colorado like they have in Florida and California, but industry workers say the state is at a tipping point. David Selden and his wife, Karen, recently moved into the country 10 miles outside of Steamboat Springs, Colorado, after living in…
FEMA and SBA 2024 Updates Overview
FEMA and SBA 2024 Updates Overview

On March 22, 2024 new rules regarding FEMA’s Individuals and Households Program (IHP) went into effect. The new rules are intended to provide quicker access to needed funds, expanded eligibility for property and home repairs, and an easier application process for survivors to jumpstart their…
Spooky home insurance changes to watch out for
Spooky home insurance changes to watch out for

Opening emails or letters from your home insurance company these days can be pretty scary. Non-renewals and premiums are increasing, and it’s trickier these days to find affordable coverage through a reputable insurer. UP is staying on top of the marketplace changes, keeping our shopping…