January 22, 2019


Generally speaking, home insurance companies are free to pick which homes they want to insure and which they don't.  There has been an explosion in tech tools that insurance companies can use to assess risks and decide who and what they are willing to insure and how much they will charge to sell policies and meet their business goals.  Drones, GPS technology, data mining, artificial intelligence and predictive analytics are making it easy for insurance companies to be far more calculated than they had been about their decisions on the types of buildings, people and...

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December 18, 2018

So many home foundations are crumbling in the state of Connecticut that the legislature passed a special law sealing their records, in part to protect their ongoing efforts to secure insurance coverage to help cover repairs and prevent collapse, damage and injuries.  The widespread problem has gotten extensive media attention and the state's highest Court will hear arguments today (Dec. 18th, 2018) in three related cases against various insurers that have rejected property owner claims to cover repairs.

UP weighed in one of the cases, and the issue has been covered...

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December 3, 2018

Disasters strain insurer's claim-paying capacity in situations where they have alot of customers in the impacted region that all make claims at the same time. 

The vast majority of insurers have enough money on hand to pay their claims after disasters, thanks to regulations that require them to maintain adequate funds in reserve to meet their obligations. But a large catastrophic event can cause some insurers to run out of money.  In insurance lingo, this is known as "insolvent".  There are also regulations that protect the customers of an insurer that goes insolvent...

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November 8, 2018

Chip Merlin, a policyholder hero himself, alerted me that we've recently lost a champion - Cal Thur.  I was introduced to Cal by the late, great Eugene Anderson many moons ago, and he was an important United Policyholders volunteer and supporter. Cal was a highly effective and dedicated policyholder attorney.  He keep UP informed on developments in insurance law in Arizona and throughout the country.  He wrote our amicus brief in the...

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November 5, 2018

Brand names matter to consumers, and that includes insurance company brands.  Consumers seek out company names they recognize and associate with reliability, especially when insuring a home, which for most people is their biggest asset. As a brand name, Lloyd's of London is generally very well known and trusted.  So thought an elderly couple that invested their premium dollars with that brand.

But after their home and possessions were destroyed by a volcanic explosion, this couple had to deal with an array of claim handlers, none of whom actually works for Lloyd's of...

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