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CaliforniaFloodHomeownersStormUp in the NewsWater Damage

Your home insurance may not cover El Niño flood damage. Here’s what to know.

  • September 23, 2026
  • As posted at: NBC 4 Los Angeles

While intense storms aren’t guaranteed during El Niño, experts say it’s better to be safe than sorry. Diana Zoga reports for the NBC4 News at 6 p.m. on Wednesday, Sept. 23, 2026.

What people say about UP

“This group provided valuable information and support for those who lost their homes in the Fourmile Fire two years ago and they have worked in many other communities that have suffered property damaging disasters. I recommend them without reservation.”

United Way

“We cannot thank you enough for all your support, education and assistance through our recovery from the 2017 Tubbs Fire. Without all your input I have no idea how we could have recovered. We’re not quite there yet, but getting closer! Many, many thanks.”

Christopher and Urmila - 2017 Tubbs Fire Victims

“The disaster recovery resources you provided helped many individuals and families.”

County of Lake, CA

“Certificate of Appreciation in recognition of your outstanding contributions to the Third Supervisorial District and the County of San Diego.”

County of San Diego

“(United Policyholders) provided helpful insights into the state of the current insurance market for earthquake, fire and flood coverage, and the critical rile insurance plays in the ability of our communities recover from such catastrophic events. You brought an important and unique perspective to the hearing, that of homeowners themselves.”

California State Senate

“Whenever I felt confused about any topic I first looked it up in the yellow book. Then I could go deeper based on what I read. Or I knew when to call it good.”

Wildfire Survivor 2014

Recent Posts

  • Tips for Consumers to Get Fair Treatment from Insurance Companies After Hurricane Isaias
  • Celebrating 35 Years at UP to Good!
  • California enacts sweeping insurance reforms to speed disaster recovery

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Related News
Tips for Consumers to Get Fair Treatment from Insurance  Companies After Hurricane Isaias
October 15, 2026
Tips for Consumers to Get Fair Treatment from Insurance Companies After Hurricane Isaias

Washington, D.C. – Today the Consumer Federation of America (CFA) and United Policyholders (UP) shared tips and resources to help consumers get their wind and flood insurance claims paid quickly, fully, and fairly in the wake of Hurricane Isaias. Initial estimates indicate that the storm…

California enacts sweeping insurance reforms to speed disaster recovery
September 30, 2026
California enacts sweeping insurance reforms to speed disaster recovery

SACRAMENTO — California Gov. Gavin Newsom signed landmark legislation into law on Sunday aimed at overhauling how insurance companies handle claims following natural disasters, establishing new consumer protections that double fines on dilatory insurers and mandate faster payouts for survivors. The bill, Senate Bill 876,…

FAIR Plan rate increases coming in October prompt private insurers to resurface
September 29, 2026
FAIR Plan rate increases coming in October prompt private insurers to resurface

What can be done to lower rates? It’s important to note that rate increases shown are an average, and home hardening and other mitigation efforts can help lower costs, according to Laucher. One neighbor may see a 10% rate increase while another neighbor just down…

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