July 9, 2018
In a closely-watched case on insurance coverage in an age of expanding cyber risk, a federal appeals court in New York has upheld a lower court ruling that a commercial crime insurance policy covers wire transfer losses resulting from a spoofing attack. The ruling is a reminder of how traditional wording in policies continues to be closely scrutinized by insureds for any ties to cyber risk,...
As posted at: Insurance Journal

July 5, 2018
A Sonoma County nonprofit has announced nearly $500,000 in grants to two area organizations specifically to help victims of the October wildfires deal with the legal and insurance issues related to recovery. Community Foundation Sonoma County said the funding comes through its Sonoma County Resilience Fund. It was established in October 2017 to support long-term fire recovery with grant making...

June 28, 2018
  Sixty Montecito property owners who suffered losses during the Thomas Fire and 1/9 Debris Flow got practical advice from United Policyholders, a San Francisco–based nonprofit firm whose motto is “Empowering the Insured.” “You’re not the first community to have to go through something like this,” Executive Director Amy Bach told the audience at Montecito Union School on Tuesday. “I can...

June 26, 2018
  MONTECITO, Calif. - A non-profit organization is helping those who are affected by the Montecito mudflow and Thomas fire as they deal with a huge part of recovery.  United Policy Holders hosted a workshop Tuesday night at the Montecito Union School. Its goal is to focus on the challenges many are dealing with when it comes to dealing with insurance companies.   “Insurance...
As posted at: KEYT

June 15, 2018
  New York Times -  The Atlantic hurricane season is here, and with it the threat of storm-related flooding. So homeowners may want to buy flood insurance, if they don’t already have coverage. Hurricane season runs from June through November. The National Oceanic and Atmospheric Administration has forecast a “near- or above-normal” hurricane season this year, with one to...
As posted at: New York Times

June 6, 2018
  The California Supreme Court has ruled that when a third party sues an employer for the negligent hiring, retention, and supervision of an employee who intentionally injured that third party, the suit can allege an “occurrence” under the employer’s commercial general liability insurance policy. The Case Ledesma & Meyer Construction Company, Inc., and its principals, Joseph Ledesma and...
As posted at: The Recorder

May 25, 2018
  Ramona Nicholson was awake late on Oct. 8 listening to the wind blow. Upon hearing that fires had broken out in Napa, she drove from her Sonoma-area house, on the grounds of her family’s Nicholson Ranch Winery, over the hill to Old Sonoma Road to get a better look. By the time she turned around to head back, the fires were menacing her property. “I grabbed my pets and wallet and wanted to...

May 22, 2018
Executive director of United Policyholders, Amy Bach, details what was discovered in the Fire Rebuild Poll her organization recently conducted, what surprised her about the results, what homeowners are dealing with as far as getting insurance to pay, the percentage of people reporting that they were under insured, the issues the insured are still experiencing, and what’s next for United...
As posted at: KSRO

May 18, 2018
Amy Bach started working as an advocate for insurance policyholders in 1984. She became an attorney in 1989 and co-founded United Policyholders in the aftermath of the Oakland Hills firestorm two years later. The San Francisco-based nonprofit has a network of over 200 volunteer lawyers, insurance professionals and disaster survivors to help homeowners navigate the claims process successfully....

May 11, 2018
Two new bills will help prevent homeowners from being underinsured when disaster strikes. California Insurance Commissioner Dave Jones says the bills give consumers a better likelihood of being fully insured. The first bill is aimed at making sure that homeowners are given an updated replacement cost estimate for their home. The other bill makes it more simple to understand extended replacement...
As posted at: KSRO