Wildfire survivors in regions throughout California are using UP's guidance on how to remedy the fact that they are grossly underinsured.  Upon learning that assurances they'd gotten and relied upon from insurers, agents and brokers that their homes were adequately insured were untrue - these homeowners are looking for answers, and remedies. 

UP is doing our best to answer individual questions and stay on top of the many court and legislative developments related to this battleground.  Policyholders need to be able to hold insurers and their sales representatives to the promises they make that induce their customers to rely on the adequacy of their Coverage A limits.

The Underinsurance Help section of our online library contains guidance, options and strategies.  And, we are answering questions from underinsured property owners on our Ask an Expert forum and at the many public events UP staff and volunteers are hosting or participating in.  We outline self help remedies for negotiating an above-limits settlement, links to info on laws and lawsuits, and leads to qualified policyholder attorneys with prior experience litigating underinsurance cases.

New additions to our library: A recent article by policyholder attorney Lee Harris sheds light on current CA law, and this UP press release related to an important case that should help underinsured 2017 wildfire survivors convince their insurers to retroactively adjust their structure limits to where they should have been. 


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.