“They have been instrumental in working to improve laws related to fail claims handling practices.” ...
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
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
Before Congress passed the Affordable Care Act (ACA, also known as "PPACA") and President Obama signed it into law, Americans with pre-existing medical conditions were struggling mightily to find and pay for essential health insurance. The ACA solved that problem for a large number of people but has encountered strong opposition and partisan politics that tried to defeat it at every turn. Six years of hard work have gone into implementing and defending the law. Now the incoming administration is poised to dismantle it. ...Read More