“We honestly can say we would not have survived this catastrophe without your insightful, wise, sound wisdom.”
United Policyholders is a nonprofit organization that is a voice and an information resource for insurance consumers in all 50 states. UP has helped guide disaster survivors on the road to recovery since 1991. This information will walk you through the first few weeks. Here is a checklist to help you use your insurance and keep you on track during this stressful time.
- Start a claim diary of conversations with insurance, repair, government and other professionals. Take notes on: who you talked to, the number you called, date and time, what was said....
If your property has been damaged due to a heavy rain and high winds, it can be tricky to collect insurance benefits to pay for repairs.
Home and renters policies exclude some but not all types of water damage. "Flood" damage (the policy should define what the insurer considers a "flood") and earth movement are excluded. Water damage from sewers and drains that back up may or may not be covered, depending on the wording in the specific home/renters policy. If wind or falling trees cause damage to pipes or contribute to water getting into a dwelling, there...Read More
As the painful process of recovery begins for those whose homes have been damaged or destroyed in recent tornadoes or winter storms in Alabama, Georgia, Florida, Texas, Louisiana, or Mississippi, 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...Read More
Representing policyholders in litigation involving surplus lines/"non-admitted" insurance companies:
United Policyholders Praises California Supreme Court Decision That Will Help Underinsured Wildfire Victims
Insurance Companies now held to higher standard for setting homeowners policy limits;
Court finds Insurance Commissioner has authority to regulate replacement cost estimates
SAN FRANCISCO, CA – January 23, 2017 – United Policyholders (UP), a nonprofit insurance consumer organization, today praised a California Supreme Court decision that will...Read More