by Amy Bach


The California legislature, after hard work by North Bay lawmakers, the Department of Insurance, concerned citizens and United Policyholders enacted several useful insurance-related bills this session that are awaiting the Governor's signature. Although retroactivity provisions were removed, (which means victims of the 2017 wildfires can only use them indirectly as leverage toward better settlements), they will help future victims.

One small silver lining of wildfires is what we learn from them about preventing and minimizing future losses of lives and property and improving the flow of insurance dollars to finance repairs and rebuilding.  United Policyholders gathers data on victims' experiences during evacuations and the recovery process and uses it for education and reforms.  Reforms that expedite insurance payouts, reduce confusion and frustration and speed and improve recovery. Education that inspires people who haven't lost a home to take action to being better prepared and insured.

UP has used past data to help draft and enact many useful legislative reforms after disasters in several states. We're able to do this where we have survey data to share and can mobilize survivor volunteers to travel to state capitols and speak to lawmakers and the media.  Where the state's insurance regulator is willing to go to bat for consumers and stand up to insurance industry lobbying, we've had significant successes in strengthening fair claim handling legal requirements. 

Here are some of the ways we're improving the flow of post-disaster insurance dollars through legislation:

- Laws that require temporary rent benefits to be available for at least two years or more, given that it takes most people that long to rebuild/replace a destroyed home.

- Laws that give underinsured disaster survivors flexibility to use contents benefits to fill dwelling coverage gaps.

- Laws that relieve traumatized (often sleep deprived) victims from having to remember and record every single item - big and small - just to get a full and fair contents settlement

- Laws that aim to prevent homeowners from being innocently/unintentionally underinsured 



About The Blogger

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.  In 2019, Bach was appointed to a 3 year term as a member of the American Bar Association Standing Committee on Disaster Preparedness and Response.