April 9, 2014

(No) thanks to past wildfires, many Scripps Ranch residents have as much insurance expertise as professional agents or brokers. During the vacation months when empty homes are a target for burglars, it's worth checking your homeowner's policy for those pesky "internal limits" that apply to items thieves often target. Here are some typical caps you may find in your policy:

  • $1.000: securities, accounts, deeds, stamps
  • $1,000: jewelry, watches, fur--by theft
  • $2,500: silverware
  • $200: money, banknotes, coins
  • $1,000: watercraft
  • $1,000:...
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March 25, 2014

Thank you for attending the "Last Chance" Webinar Before April Sandy Deadline.  Here you will find the resources referenced in the webinar:

Sandy NFIP Claim Help "Last Chance" Webinar: 3/26/14 at 12:30pm EST


Amy Bach, Executive Director, United Policyholders

David Charles, Master Claims Consulting 


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March 24, 2014

By: Dan Wade, Staff Attorney

The government-sponsored Storm Sandy mediation programs in New York and New Jersey offered the promise of a low-cost easy access forum for disaster survivors to sit down face-to-face with their insurer to resolve claim disputes. A modest number of homeowners in both states with claim disputes averaging $50,000 used these programs with some success, but from a policyholder perspective, the results can be more fairly deemed a learning experience rather than a resounding success. New Jersey reports a relatively high settlement rate in the...

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March 19, 2014

UPdate 7/18/14

At the request of insurers, three New York Magistrate Judges overseeing the Consolidated Case have asked plaintiffs to withdraw supplemental state law "bad faith" claims. The three-judge panel explained that plaintiffs has failed to address these claims in accordance with the Court's discovery schedule. Read this article for more information.

The EDNY has also launched a...

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October 1, 2013

On October 1st, 2013, the National Flood Insurance Program extended the deadline for filing Superstorm Sandy proofs of loss for another 6 months past the current October 28th, 2013 deadline.  United Policyholders commends the program for giving this much needed breathing room to property owners.  With the storm's anniversary approaching, many Sandy victims were scrambling to find qualified and affordable experts and help completing paperwork. NFIP Proof of Loss requirements are very specific. Property owners will not recover full flood insurance benefits for their losses...

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