Consumers buy home insurance where legally required AND for the peace of mind of knowing that if adversity strikes, the policy will generate money to deal with whatever that adversity is.  They don't sit around thinking up doomsday scenarios of every possible event that could damage or destroy their home and run every one of them by their insurers to confirm they'd be covered.  They trust the professional that is selling them insurance and believe the promises insurers make in their ads. But of course, insurance policies virtually never cover "whatever". 

This perennial conflict between consumers' reasonable expecations as to their home insurance and the limitations insurance companies write into their policy contracts is a primary reason United Policyholders exists.  Working to help consumers' collect the insurance money they need to restore and replace a damaged or destroyed home and to limit the exclusions and limitations that block the flow of that money  is a core goal of all three of our programs.  The fancy legal phrase "indemnity in case of loss should not be defeated" simply means "the purpose of insurance is to make loss victims whole again."  Exclusions and limitations that prevent loss victims from collecting benefits to pay for repairs and rebuilding defeat the very purpose of insurance.

Exclusions and limitations that block the flow of insurance money to victims of adversity are referred to as "protection gaps."  United Policyholders together with our allies are working to expose and close protection gaps.  Our allies include Professor Jay Feinman of The Rutgers Law School Center for Risk and Responsibility, Attorney Chip Merlin and the Merlin Law Group team, CalWestern Law Professor and UP Senior Advisor Ken Klein, U.Conn Law Professor Peter Kochenberger and trade associations including the National Association of Public Insurance Adjusters and the American Association of Public Insurance Adjusters.

In addition to advocating via amicus briefs for insurance policy language to be read in favor of coverage by courts of law, UP is encouraging state insurance regulators to disapprove policy forms that contain unfair exclusionary langauge and/or provide only illusory coverage.  And, we are constantly reaching out consumers through our website, publications, partners and the media to help people shop wisely and seek out policies with fewer exclusions and better coverage.  

The Protection Gap Project-­Through our engagements with the National Association of Insurance Commissioners and the Federal Insurance Office and various partnerships, UP is advocating for essential coverage standards and more robust risk reduction/mitigation support and rewards. We are conducting research and gathering samples of unfair exclusions and hidden limits via a dedicated email address: With this information, our partners and we will raise awareness of the hollowed-out coverage trend and (hopefully) inspire competition among insurers to reverse it by offering simplified, essential protection policies.

The WRAPP Project (Wildfire Risk Reduction and Asset Protection Project)

Many states now require insurers to facilitate and reward residents who take steps to fortify their homes against hurricanes and flooding. But mitigation support and insurance reward programs for wild re risk reduction are almost non-existent, and there is now a full-blown home insurance availability and affordability crisis in many parts of California. UP is working to build a viable mitigation program that will restore consumer options.

We are working hard to keep the HOME in home insurance...

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.