CA homeowner stuck with $50K bill after neighbor’s tree crashes into her house. Insurer denies claim, argues it was ‘unforeseeable.’ Is that legit?
CA homeowner stuck with $50K bill after neighbor’s tree crashes into her house. Insurer denies claim, argues it was ‘unforeseeable.’ Is that legit?

As extreme weather events become more frequent, homeowners are increasingly relying on property insurance as their last line of defense. But coverage can unravel quickly when an act of nature blurs legal boundaries. That’s what Castro Valley homeowner Angela Bereola recently discovered. Last year, heavy…
North Bay communities see some of the highest home insurance price increases
North Bay communities see some of the highest home insurance price increases

Premium costs in Lake and Mendocino counties have risen at more than double the state median rate over the last decade, new data shows. Read more
Policyholders Should Negotiate To Limit AI Exclusions At Renewal
Policyholders Should Negotiate To Limit AI Exclusions At Renewal

As renewal season approaches, policyholders should be on the lookout for broad artificial intelligence exclusions across all lines of coverage. In the last year, news of insurance companies inserting increasingly expansive AI exclusions has spread. Risks associated with AI are becoming increasingly widespread and sophisticated.…
We made a BIG impact in 2025!
We made a BIG impact in 2025!

“Your group and webinars are just amazing and most useful. The best resource and people we’ve encountered. We are so grateful for everything you do.” – Christine, 2025 LA Wildfire Survivor Roadmap to Recovery® Program Within a week of the wildfires that devastated Los Angeles,…
Legislation introduced to extend national flood insurance program
Legislation introduced to extend national flood insurance program

Bipartisan legislation introduced this week in the House would automatically extend the National Flood Insurance Program. Sponsored by U.S. Reps. Troy Carter (D-LA), Julia Letlow (R-LA), Cleo Fields (D-LA), Clay Higgins (R-LA), Mike Ezell (R-MS) and Lizzie Fletcher (D-TX), the legislation would ensure the National…
Reps. Carter, Ezell, Fields, Letlow, Fletcher, and Higgins Introduce the National Flood Insurance Program Automatic Extension Act of 2025
Reps. Carter, Ezell, Fields, Letlow, Fletcher, and Higgins Introduce the National Flood Insurance Program Automatic Extension Act of 2025

NFIP Lapses Aren’t a Partisan Problem – they’re a People Problem WASHINGTON, D.C. – Today, Congressman Troy A. Carter, Sr. (D-LA), alongside Reps. Julia Letlow (R-LA), Cleo Fields (D-LA), Clay Higgins (R-LA), Mike Ezell (R-MS), and Lizzie Fletcher (D-TX), introduced the National Flood Insurance Program Automatic Extension…
Where there’s smoke, there’s a fight
Where there’s smoke, there’s a fight

As the Los Angeles wild­fires died out in Janu­ary, fire­fight­ers trekked through the burn zones to take stock of the destruc­tion. For every home they found leveled, they coun­ted another still stand­ing. The struc­tures looked fine from the out­side, but ash and oily soot often…
What’s UP With Water (or Service) Line Insurance?
What’s UP With Water (or Service) Line Insurance?

As a homeowner, you’re responsible for the pipes that connect your water and sewer lines to the main public water delivery system in your area. If those pipes corrode, leak or fail due to age or wear and tear, your home insurance likely will not…
California is drafting new rules for wildfire smoke cleanup. Are home insurers calling the shots?
California is drafting new rules for wildfire smoke cleanup. Are home insurers calling the shots?

Wearing protective coveralls and a chemical, biological, radiological and nuclear-rated gas mask, Debbie McMahon walks in her Altadena living room on Sept. 25, where last year’s Christmas tree still stands after the wildfire evacuation. McMahon is among the many displaced Los Angeles County residents who…
Fire Survivors to Get Help Navigating Insurance Claims at Pasadena Workshop
Fire Survivors to Get Help Navigating Insurance Claims at Pasadena Workshop

This event already occurred. You are reading an archival copy of the original story. Fire Survivors to Get Help Navigating Insurance Claims at Pasadena Workshop United Policyholders offers free contents workshop for Eaton Fire survivors facing insurance complexitiesPublished on Nov 27, 2025 [photo credit: Pasadena…
Giving thanks to those who pay it forward
Giving thanks to those who pay it forward

This month’s tip from the non-profit that has your back when insurance matters is to recognize and be grateful for our previous disaster survivor volunteers who share their hard-earned wisdom and help United Policyholders make a BIG, positive impact on people’s lives and financial health all across…
Lara’s Revenge Regulation Will Gut Public Participation in Insurance Rate-Making, Consumer Watchdog Says at Hearing Today
Lara’s Revenge Regulation Will Gut Public Participation in Insurance Rate-Making, Consumer Watchdog Says at Hearing Today

Lara’s Revenge Regulation Will Gut Public Participation in Insurance Rate-Making, Consumer Watchdog Says at Hearing Today Lara’s Revenge Regulation Will Gut Public Participation in Insurance Rate-Making, Consumer Watchdog Says at Hearing Today PR Newswire LOS ANGELES, Nov. 20, 2025 LOS ANGELES, Nov. 20, 2025 /PRNewswire/…
California insurance reforms leaving homeowners uninsured
California insurance reforms leaving homeowners uninsured

SAN DIEGO — California’s insurance reforms, intended to bring relief to homeowners struggling with wildfire coverage, have instead resulted in higher rates and an increase in state homeowners without fire insurance. More than 10% of California homeowners don’t have fire insurance, according to a recent…
MEDIA ADVISORY: SENATOR CORTESE’S SENATE BILL 429 WILL ESTABLISH NATION’S FIRST WILDFIRE CATASTROPHE PUBLIC MODEL
MEDIA ADVISORY: SENATOR CORTESE’S SENATE BILL 429 WILL ESTABLISH NATION’S FIRST WILDFIRE CATASTROPHE PUBLIC MODEL

SAN JOSE, CA –California State Senator Dave Cortese (D-San Jose) will host a press conference highlighting the successful passage of his Senate Bill 429 (SB 429) this past year. The press conference will be held in front of CAL FIRE’s Fire Hawk helicopter helipad. SB…
‘We feel alone’: L.A. fire survivors call for California’s insurance commissioner to resign
‘We feel alone’: L.A. fire survivors call for California’s insurance commissioner to resign

Survivors of the deadly Los Angeles County fires, some of whom have been unable to rebuild because their insurance claims have been delayed or denied, are calling for California Insurance Commissioner Ricardo Lara to resign. Lara, a former state lawmaker, has one year left in…
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…
Work to reduce fire insurance costs ongoing, advocates say
Work to reduce fire insurance costs ongoing, advocates say

Fire insurance is a huge pain point for foothills residents, who love their quiet mountain homes but are struggling with the cost to protect them from one of the area’s greatest threats. That frustration was evident among the nearly 200 people who came to Conifer…
BUT IT’S NOT FAIR!
BUT IT’S NOT FAIR!

California Insurance Commissioner Ricardo Lara wants to get you off the FAIR plan as soon as possible. His goal is to bring traditional fire insurance companies back to the California market, making these plans affordable and accessible, he said in an online public town hall…