November 12, 2014

United States Magistrate Judge Gary R. Brown issued a very important decision in a Superstorm Sandy case in November, 2014 that addresses a chronic problem for the policyholders UP serves:  A practice by some insurers of rejecting damage claims based on engineering reports that have been altered or intentionally slanted to provide an excuse for the rejection.  In our publications and during our Roadmap to Recovery workshops and communications with policyholders, UP stresses ...

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November 4, 2014

United Policyholders is a 501(c)(3) public benefit corporation, which means we can't endorse or oppose candidates for public office.  But without a doubt - the outcomes of elections impact our work in many ways:  Partisan elected officials choose the judges that preside over insurance matters. The decisions that judges make have a huge impact on insurance company decision-making, and in turn the people we serve. In the vast majority of states, the Governor appoints the head of the state agency that regulates insurance.  If an elected State Governor doesn't believe in...

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October 30, 2014

A backbone of our Roadmap to Recovery program are the volunteers and staff members who got involved with UP to make constructive use of the knowledge they themselves gained while navigating the recovery process after a catastrophic loss.  Our Survivor's Speak publication series, workshop speakers and Disaster Survivor Support Network volunteers offer wisdom and a brand of...

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October 22, 2014

“Public dollars also need to go to the equally important, though less glamorous projects and services that will help us prepare for the coming heavy weather.  That includes things like hiring more firefighters and improving storm barriers.  And it means coming up with new, nonprofit disaster insurance programs so that people who have lost everything to a hurricane or a forest fire are not left at the mercy of a private insurance industry that is already adapting to climate change by avoiding payouts and slapping victims with massive rate increases.  According to Amy Bach,...

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October 20, 2014

A recent California legal case shines light on a fact that will surprise many, but not me:  California's Insurance Commissioner, considered by many to be the most diligent consumer advocate among the 50 state's regulators - does not as a matter of course, review, approve or disapprove the wording in disability (or home, or business) insurance policies before they are sold to the public.  

The California Court of Appeal recently ruled:  "Well he should"  The case, Ellena v. Standard Insurance Company, California...

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