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 FEMA declaration for Individual and Household Assistance has finally been approved for Napa and Solano County earthquake survivors.  If you were affected by the earthquake and need assistance you will have 60 days from the October 27th declaration to apply with FEMA.  UP participated in a meeting of the Napa Earthquake Long Term Recovery Group today and found out over $50,000 had already been distributed in first 48 hours.  The Local Assitance Center will be reopening in Napa to help people register, answer questions and provide referrals to charitable organizations.

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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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