“I recommend United Policyholders to any community that has suffered a major disaster.”
“United Policyholders has worked tirelessly to serve our community and provide residents with necessary support and tools.”
Have you ever contacted an insurance agent or company and asked them to insure your home for a specific dollar amount? If so, you're probably in the .00001% of insurance consumers. That's just not how it works in real life.
In real life, we rely on agents and insurers to tell us how much insurance we need on our homes. And when we apply for insurance, they do tell us. Well, ok, their computer tells us... When we apply for insurance, we answer some basic questions about the size, age and features of our home, and we get a print...Read More
As the health insurance marketplace, American citizens and businesses continue to adapt to the Patient Protection and Affordable Care Act world, the pending mergers of Aetna/Humana and Cigna/Anthem will provide yet another curveball. Mergers of companies this large are almost never good for consumers. They generally mean fewer choices, less negotiating options and higher premiums, yet both appear to be on track for approval. The U.S. Department of Justice and state regulators are reviewing the proposals, and...Read More
UP is constantly working to publish information and guidance on investing your insurance dollars wisely by patronizing companies that offer quality protection and have a record of good claim service. We promote shopping tools that allow consumers to compare coverage side by side. We promote and support efforts by state insurance regulators to make it easy for the public to review complaint records, market conduct exams and sample policies. We are cheerleaders for an entrepreneurial initiative called ValChoice that distributes reports on insurance company claim...Read More
Being a small non-profit has it's up side: United Policyholders is dynamic. We don't have layers of internal bureaucracy that slow us down when we want to respond to a disaster or make improvements to our programs, publications and tools. We are constantly enhancing our tips and tools with new information and feedback from our volunteers, experts and the people we help.
During the Roadmap to Recovery workshop I led in Mountain Ranch, California this past week, we were...Read More
When you buy insurance, you pay for coverage and good service if and when you file a claim. Good claim service includes estimating the extent and value of your claim fairly and promptly. Insurance company claim adjusters often bring in outside experts to inspect and give their opinions. There's been much written by our organization and others about problems that arise when adjusters bring in outside experts who are too cozy with them and inclined to underestimate damage or find an excluded cause of loss. This can happen where the expert is motivated to please...Read More