"Thank you for your presentation and important information to our community on insurance policies and various coverages."
This recent "Share Your Story" email to UP from a Wyoming consumer captures how the "use it and lose it" phenomenon is one of the most serious threats to the integrity of the insurance system today.
"We had a fire two years ago. It started when an extension chord that had been plugged into to a socket overheated and a box had fallen on top of it. The box caught fire and caused substantial damage in the home. My wife and myself were found to be at no fault in the situation by the fire marshal and...Read More
Our ongoing work helping New Jersey homeowners get fair insurance settlements for Sandy damage includes:
- Distributing sample letters and tips for appealing a claim denial and getting a supplemental claim approved for payment and guiding homeowners and the local aid workers engaged in the long term recovery effort.
- Demanding that the National Flood Insurance Program, (run by FEMA)...
In its November 24, 2014 decision, the California Court of Appeal First District, Division One, reversed a judgment notwithstanding the the verdict that an insurer owes a duty to its insured to communicate policy requirements and settle claims fairly. In Stephens & Stephens XII LLC v. Fireman's Fund Ins. Co. (Case No: A135938, 2014), the Court of Appeal reversed and remanded with directions to award a conditional judgment for the insured if they complete the repairs...Read More
Thanks to a consumer participation program offered by the National Association of Insurance Commissioners, I get up close and personal with the nation's top insurance regulators three times a year. I'm in my seventh year as an official representative of consumers at the NAIC, and am a member of the Consumer Participation Board of Trustees. Much of United Policyholders' Advocacy and Action work gets done at and through NAIC meetings.
Each state...Read More