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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January 25, 2018


On Thursday, January 25th 2018 United Policyholders will host a Roadmap to Recovery workshop at the Santa Rosa High School Auditorium on 

Financial Decision-Making For Wildfire Survivors, 6-8 pm

This workshop will cover financial and tax implications related to casualty losses and insurance proceeds.  A panel of personal finance experts will provide guidance on decision points to consider.  

Guest speakers:

Michael Musson, CPA

Eric Goldschlag, Opes Advisers


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January 23, 2018


Last night in Ventura, California, UP oriented and empowered a room full of 200 people whose homes were destroyed in the Thomas wildfire.  Bringing the combination of seasoned empathy and technical/legal expertise that makes UP's Roadmap to Recovery program a unique and valuable source of disaster recovery support, Sue Piper led the audience through first steps and strategies for navigating the road to recovering from their...

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November 27, 2017


Our non-profit's mission is to inform and advocate for the interests of insurance consumers - policyholders.  When it comes to flood insurance, those interests are fairly simple: 

  • Access to affordable coverage for the damage that floods do to property
  • Policies that pay on time to repair that damage

Only 5 million of the 122 million households in America are insured for damage from flooding. That includes flooding from hurricane-induced storm surges as well as overflowing rivers and waterways.  Climate...

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