“I don't know how we would have found answers or how to begin if they had not coached us through the process.”
What people say about UP
“(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.”
We appreciate all that you are doing to help families straighten out the critical small print. You provide such a great service!
"On behalf of all the residents affected by the San Bruno/Glenview fire and the Department of Insurance staff, I would like to personally thank you for your participation in the San Bruno Insurance Recovery Forum...the forum provided fire survivors in the community the opportunity to ask questions, receive information, and express their concerns..."
UP's guidance helped me get my health insurer to finally cover our unpaid claims for my daughter's medical care. Thanks UP!...
“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.”
We turned to UP for help getting our homeowners insurance company to cover a $150,000+ smoke damage claim which allowed our family to get safely back into our home....
“Our employees appreciated the practical help they got from UP, and that UP looked out for their best interest after Hurricanes Katrina and Rita."
“United Policyholders is a 501(c)(3) with unique expertise in insurance recovery and financial preparedness and a teaching team that has proven valuable to our citizens.”
"We are so grateful that a consumer-focused organization like UP – completely independent of the insurance industry – is there to help families and individuals, homeowners and renters alike, navigate the confusing claims process after a disaster, and to help them before a crisis as well."
“We honestly can say we would not have survived this catastrophe without your insightful, wise, sound wisdom.”
"Thank you for all the work United Policyholders is doing to protect the public. I truly appreciate your organization in the fight to improve the landscape of home insurance coverage."
Thank you for your kind words and acts, though the path to recovery is long - its little things like this help that's gets us through. Thank you for being part of the solution to our problem....
"The disaster recovery resources you provided helped many individuals and families."
“United Policyholders organization should be the first line of information to all fire victims. They are positive people who are earnestly trying to help others through a difficult time. They can provide professional people and lay people to answer most any question a fire victim could have.”
“I am so very grateful for the help as it is a true insider's guide to wading through the quagmire after a catastrophe. Thank you, thank you, thank you!!!”
"It is very uneasy to take on "giant" insurance company and your organization has done a lot to protect a policyholder. Thank you very much!"
"Thank you so much for your prompt response. It has lifted my spirits."...
“We recommend (UP) to any other city or county whose residents have suffered catastrophic property losses. United Policyholders is a 501(c)(3) with subject matter expertise in insurance recovery and has been a valuable resource to our community.”
“They have been instrumental in working to improve laws related to fail claims handling practices.” ...
"US Small Buiness Administration Office of Disaster Assistance is pleased to honor Karen Reimus in recognition of her perseverance, dedication and optimism in assisting California Communities rise above the impact of the Southern California Wildfires."
“Certificate of Appreciation in recognition of your outstanding contributions to the Third Supervisorial District and the County of San Diego.”
The big picture “why” I do what I do is that, “I want to make insurance work better.” That is why I do risk management consulting, and why I do expert witness work on both sides. Supporting UP is just one more way. Thanks for being such a great organization to partner with.
"Thank you for taking the time to share your thoughts and priorities in the Insurance Lobbyist and Communications Group." ...
“Your involvement helped us achieve our goal of brining together three major stakeholders for fire prevention; Fire officials, Consumer groups and the Insurance Industry to discuss mitigation and preparation for future potential fire disasters.”
“UP has the ability to explain complex processes in a simple manner, which is key when dealing with an overwhelming situation. Many residents have voiced their gratitude for UP’s help and have called upon their assistance multiple times.”
“Thank you does not say enough.”
The loss we are dealing with was a partial loss due to fire... Leaving us with the question, what do we do now?! Thats where your site becomes such an valuable resource... For the service you provide, I extend from the heart, a most sincere, THANK YOU!!...
"I have helped hundreds of families buy homes. Last fall, one of them burned down. I am so grateful for the education from UP that helps me make sure all my clients are adequately protected from catastrophic loss."...
"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 propertydamaging disasters. I recommend them without reservation."
"Thank you for your presentation and important information to our community on insurance policies and various coverages."
"Thanks for your excellent website. My insurance company was giving me a hard time, but now I'm finally able to understand the process."
"On behalf of the American Red Cross Fired UP! Gold Country Institute 2016, we express special thanks to Emily Rogan (United Policyholders) for dedication of your time, your passion and your expertise."...
“UP has been a shining light for the past twenty years after virtually every major disaster in California.”
“UP is one of the only consumer advocacy groups that we have worked with that is solely committed to the consumer and has no other motives or desires that may conflict with that commitment.”
"Just wanted you to say Thank you, too, for being here for all of us. It's a crazy time, as you well know and it's comforting to have a 'voice of reason' around"
“UP played a leadership role in ensuring that future wildfire victims are treated more fairly by their insurance providers as part of a collaborative and successful effort to change some of Colorado’s insurance-related legislation and regulations.”
"I can't thank you enough for watching all the fine print and ensuring what we need."
"The workshop was really informative! We learned so much from your panelists, and plan to use all this good info as we move forward. Thanks so much!"
“The information you gave to the communities and fire victims was extremely useful and I am sure appreciated by everyone.”
“Our collaboration is a good example of a small but effective non-profit organization delivering valuable services and support to a large entity.”
"Your home is probably underinsured. Don't wait to find out the hard way like we did. UP's tips will help you avoid a nightmare and protect your most valuable assets."
“I recommend United Policyholders to any community that has suffered a major disaster.”
“United Policyholders has worked tirelessly to serve our community and provide residents with necessary support and tools.”
“From the survivor surveys to their Roadmap to Recovery workshops, UP is a critical component in recovery for not only families but for communities.”
"Their Roadmap to Recovery program offers a range of support serices that have helped our residents move from tragedy to recovery."
"The UP Roadmap to Recovery Program raised awareness and educated Sandy-affected families on the importance of properly documenting losses and negotiating home and flood insurance settlements."
"I want you to know that I will be forever indebted to you and all of the other volunteers that gave so freely of their time to help otherwise complete strangers through a very difficult ordeal. I could not have come this far without you. Thank You"
"United Policyholder's contribution to the event helped hundreds of families, children, parents, pet owners, and individual community members take action to make themselves and their families more ready for emergencies."
“I want to thank the team at United Policyholders for their outstanding work on behalf of California consumers over the past two decades.”
“We are so grateful to have wonderful UP looking out for us and putting together amazing amounts of information to help us understand 'the process' and cope with the trials and tribulations!"
“I highly recommend bringing United Policyholders into your community. My only regret is that we didn’t bring them in sooner.”
(United Policyholders) is an excellent source of support, information, and action for homeowners who really need an understanding and helpful partner during one of the worst times in their lives.
"We support UP’s pro-active program to raise public awareness of the increased risk of flooding that residents now face in and near wildfire burn areas."
“The claims assistance workshops, referrals and many resources (United Policyholders) provided were extremely helpful and a tremendous benefit to the residents affected by the disaster.”
“Together, we are all working towards a shared goal of a more resilient Bay Area.”
First Steps After a Flood
by United Policyholders
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. Keep your paperwork organized.
- Request a complete and current copy of your home and flood insurance policy. Flood insurance policies have different rules than home insurance policies.
- Take photos of your property before any cleanup is done.
- Focus on drying/cleaning out, avoiding further damage, while getting all flood damage inspected, measured and estimated by qualified, reputable and independent experts.
- If a home or flood insurance adjuster says damage isn’t covered, but you feel it should be, get an independent professional opinion before giving up on getting some or all of your claim paid.
- Do not rush into signing contracts. Get copies of ALL paperwork you do sign.
- Register with FEMA (federally declared disaster only) and the SBA (federal or state disaster declarations needed)
- Register with a Red Cross Case Manager – they can help make referrals to resources you may need.
- For more specifics and guidance on the insurance claim process, visit www.uphelp.org/flood
About The Blogger
United Policyholders is a non-profit organization that serves as a voice and an information resource for insurance consumers in all 50 States.