United Policyholders
Empowering the Insured
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Latest posts
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Experts say climate change is impacting home insurance: Do homeowners see it?
The majority of homeowners either don’t think climate change is behind increased homeowners insurance rates, or aren’t sure if there’s a connection, according to the 2026 Insurance and Climate Change survey conducted by Insurance.com. The survey found that 43% believe climate…
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California sets global standard for insurance resilience as Commissioner Lara finalizes landmark long-term solvency regulation
First-in-the-nation regulation requires California-based insurance companies to prepare for climate risks, artificial intelligence, cyber threats, and other emerging challenges before they threaten consumers and markets SACRAMENTO, Calif. — Insurance Commissioner Ricardo Lara…
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California expands protections for wildfire survivors
California is expanding protections for wildfire survivors through new legislation addressing smoke damage, insurance claims, and financial challenges following the January 2025 Los Angeles wildfires. On Sept. 15, Gov. Gavin Newsom signed four bills establishing new smoke damage…
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More rain expected in southwest Colorado as residents continue to deal with flooding
Authorities in southwest Colorado are warning residents that streams and rivers are expected to rise again as another round of rain moves into the area on Sunday. This comes as many residents are already dealing with the effects of this week’s catastrophic flooding. The Animas…
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California insurance commissioner race pits market fixes against a public disaster insurer
Californians will elect a new insurance commissioner on Nov. 3, choosing between two Democrats with sharply different plans for a homeowners market hit by wildfire losses and carrier pullbacks. Allen would keep private insurers at the center, with faster rate reviews, tougher…
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Tips for Consumers to Get Fair Treatment from Insurance Companies After Hurricane Isaias
Washington, D.C. – Today the Consumer Federation of America (CFA) and United Policyholders (UP) shared tips and resources to help consumers get their wind and flood insurance claims paid quickly, fully, and fairly in the wake of Hurricane Isaias. Initial estimates indicate that…
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California orders lenders to report on handling of insurance payouts to LA fire survivors
California officials on Thursday ordered mortgage lenders, including banks and credit unions, to report how they have handled insurance payouts to survivors of the 2025 Los Angeles-area fires. The California Business and Consumer Services Agency and the Department of Financial…
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Celebrating 35 Years at UP to Good!
Thank you to everyone who celebrated UP to Good with us this year. Friends of UP gathered to celebrate 35 years of impactful work and support our invaluable programs and services: Helping people and businesses stay protected despite a national insurance availability and…
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California enacts sweeping insurance reforms to speed disaster recovery
SACRAMENTO — California Gov. Gavin Newsom signed landmark legislation into law on Sunday aimed at overhauling how insurance companies handle claims following natural disasters, establishing new consumer protections that double fines on dilatory insurers and mandate faster…
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FAIR Plan rate increases coming in October prompt private insurers to resurface
What can be done to lower rates? It’s important to note that rate increases shown are an average, and home hardening and other mitigation efforts can help lower costs, according to Laucher. One neighbor may see a 10% rate increase while another neighbor just down… The post FAIR…
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Governor signs Commissioner Lara and Senator Padilla’s Disaster Recovery Reform Act into law, setting a new standard for survivor protections
For Release: September 28, 2026 Media Calls Only: 916-492-3566 Email Inquiries: cdipress@insurance.ca.gov Governor signs Commissioner Lara and Senator Padilla’s Disaster Recovery Reform Act into law, setting a new standard for survivor protections New law doubles penalties,…
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New California law will change how you sign up for home insurance
Gov. Gavin Newsom just signed a law that gives people an important new option when they sign up for home insurance. Read more. The post New California law will change how you sign up for home insurance appeared first on United Policyholders .
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Insurers’ own rebuild estimates are driving most underinsurance, study finds
For years, the standard explanation for underinsured homeowners has been that they chose it, trimming limits to save on premium. A new analysis of California claims data argues that explanation mostly doesn’t hold. It says the bigger problem sits with the replacement-cost…
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Many homeowners have a big insurance coverage gap — and don’t even know it
Many homeowners have a big gap in their insurance coverage — and they likely don’t know it, according to insurance experts. That leaves policyholders financially exposed to damage, including from natural disasters that are becoming more frequent or costly, such as wildfires,…
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Most Homeowners Are Underinsured, Experts Warn
The size of the shortfall Kenneth Klein, who teaches at California Western School of Law, framed it starkly: “A supermajority of homeowners want to fully and adequately insure their homes, are willing to pay for it, and think they have it. But most of them… The post Most…
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Here’s where thousands of homeowners face higher insurance bills after FEMA updated its flood maps
These 10 communities have the highest number of properties that were newly mapped into a high-risk Special Flood Hazard Area. New flood-insurance requirements add to the ever-rising cost of owning a home. The federal government redrew flood maps across America this summer – and…
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After the Waves Receded: A Step-by-Step Guide for Hurricane Marie Damage Claims
Over Labor Day weekend 2026, Hurricane Marie, churning far out in the Pacific, generated massive swells that hammered the Southern California coast. See Nat’l Hurricane Ctr., Post-Tropical Cyclone Marie Public Advisory No. 30 (Sept. 8, 2026). Read more The post After the Waves…
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Your home insurance may not cover El Niño flood damage. Here’s what to know.
While intense storms aren’t guaranteed during El Niño, experts say it’s better to be safe than sorry. Diana Zoga reports for the NBC4 News at 6 p.m. on Wednesday, Sept. 23, 2026. The post Your home insurance may not cover El Niño flood damage. Here’s what to know. appeared first…
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A ‘super’ El Nino is about to crash into California: 9 essentail ways to prepare
Amid warnings of a wet and potentially destructive winter, The Times asked experts for their best tips to be prepared. Read more. The post A ‘super’ El Nino is about to crash into California: 9 essentail ways to prepare appeared first on United Policyholders .
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California announces state of emergency: Record El Niño puts a fresh squeeze on a fragile home insurance market
Governor Gavin Newsom put the entire state under a formal state of emergency on Monday. Federal forecasters now think the El Niño building in the Pacific could be the strongest on record, and for a property insurance market that’s already stretched thin, that’s a bad… The post…