March 1, 2017

If your home or business was damaged or destroyed in recent flooding in San Jose, you can access guidance and tools through United Policyholders' Roadmap to Recovery® program for overcoming insurance claim challenges and reaching fair settlements. Scroll down for key tips and a menu of resources.  

Focus on completely inventorying and valuing all damage and costs to repair or replace your property, regardless of your insurance situation.   If your rental, home or business was insured for flood...

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February 23, 2017

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....
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February 7, 2017

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...

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February 2, 2017

Representing policyholders in litigation involving surplus lines/"non-admitted" insurance companies:

 
"Surplus lines" (also known as "non-admitted") insurers are a form of company set up in part to avoid the full spectrum of regulations, solvency and other oversight requirements that apply to "admitted" companies. Surplus lines companies often will accept risks/insure customers that traditional (admitted) companies don't want, but they...
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January 23, 2017

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...

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