May 24, 2018
The California State Senate Insurance Committee
Insurance funds can and should fuel an individual's or business' ability to repair, rebuild and regain financial health after a disaster. But as our surveys show, these funds don't always flow as they should. Overly detailed proof requirements, bureaucratic delays, confusing depreciation and unreasonably short deadlines create obstacles that get in the way of successful recovery for far too many disaster survivors. So after past disasters in many parts of the United States, United Policyholders has...
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May 4, 2018

Wildfire survivors in regions throughout California are using UP's guidance on how to remedy the fact that they are grossly underinsured.  Upon learning that assurances they'd gotten and relied upon from insurers, agents and brokers that their homes were adequately insured were untrue - these homeowners are looking for answers, and remedies. 

UP is doing our best to answer individual questions and stay on top of the many court and legislative developments related to this battleground.  Policyholders need to be able to hold insurers and their sales representatives to...

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March 23, 2018

Congress has again reauthorized, not reformed the National Flood Insurance Program in another in a series of short-term extensions that began in September, 2017 when the program expired.

FEMA instituted some reforms of it's own via the agency notice/rulemaking process and will be accepting public comment until June...

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February 28, 2018

According to recently released findings of the National Institute of Building Science, 23 years of federal mitigation grants provided by the Federal Emergency Management Agency (FEMA), Economic Development Administration (EDA) and Department of Housing and Urban Development (HUD), resulted in a national benefit of $6 for every $1 invested.  That...

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January 29, 2018


A wildfire destroys the trees, plants, bushes and roots that hold soil in place and soak up rain water, which in turn can lead to the kind of damage that occurred in Montecito in the aftermath of the Thomas Fire.  The "Fire-Flood Sequence" is a well-known phenomenon, yet insurance companies will sometimes reject claims for post-wildfire mudflow damage under home/fire policies by citing the standard exclusion for flood damage.  Fortunately, California has good consumer protection...

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