The Restoring Insurance Safetynets Coalition (RISC) is a national initiative launched by United Policyholders in 2020.  The purpose of this initiative is to reverse the trend of insurance policy re-writes that are shrinking coverage for damage to homes. These re-writes are dangerously eroding insurance safety nets that homeowners are paying for and expecting to be able to rely on when disaster strikes. They are causing a ripple effect of harm to people, communities, real estate values, lenders and ultimately, all of us. Learn more here.

When home insurance policies fail to deliver funds to cover loss recovery, people suffer. Neighborhoods decline, government programs are strained, and the private insurance system fails. Through the RISC initiative, we are working to restore essential protections in home insurance policies.  Our partners include the Rutgers Center for Risk and Responsibility, the Voices of Policyholders project, and stakeholders throughout the United States who share our objectives.

The RISC Initiative

  1. Document the erosion of coverage through policy wording that defeats policyholders’ reasonable expectations.
  2. Educate policymakers, the media and the public about the economic harm that results from unexpected coverage gaps.
  3. Advance solutions via regulatory, legislative and consumer education Initiatives.


  • Identify the most common and harmful wording that is causing protection gaps.
  • Create a bank of sample wording across all major insurers by inviting submissions of insurance policies to
  • Determine the origin and history of harmful wording.
  • Document findings and recommendations 
  • Communicate findings and recommendations to policymakers, educate consumers


Project Directors – Holly Soffer, Amy Bach

Project Associate – Elyse Crawford-Hicks

Coalition Steering Committee: Nancy Dominguez, Sarah Parker.  


To support this project, click here.


About The Blogger

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. While practicing insurance regulatory law and representing clients in litigation matters, she co-founded United Policyholders in 1991. Bach migrated from the private practice of law in 2005 to become the organization's full-time 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 legal and consumer publications including "The Disaster Recovery Handbook," "WISE UP: The Savvy Consumer's Guide to Buying Insurance," and tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach has served as an official consumer representative to the National Association of Insurance Commissioners since 2009 and is in her second term as an appointed member of the Federal Advisory Committee on Insurance. She also currently serves on the American Bar Association’s Standing Committee on Disaster Preparedness and Response.