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I had a house fire on January 18, 2024, and they assigned ServePro to clean out and rebuild. The clean out part went ok, and then we came to the rebuild. The estimate for the rebuild was $300,000. I am insured up to $450,000 not…

Hi all, I am from Connecticut. Last year our family home was destroyed due to water burst. We have significant water damage throughout the entire house. It has been more than six months since the initial remediation began. Since the remediation, we are still in…

Hello! I would like to know if anyone knows the statute of limitations for reporting claims with your carrier in Colorado. I have been searching for the statute that provides the information but have gotten nowhere. Is there a statute of limitations for reporting a…

On March 20 a highly rated roofing company (D&D Roofing from Sparks NV) began replacing the roof on my 2 story 4 plex apartment in Quincy, CA. They finished the job on Friday March 22. Within 12 hours heavy rain started and apt #4 was…

My house was lost in the Marshall fire. Although I have full replacement insurance, I continue to have insurance funds withheld by my mortgage company because the “scope” provided by the insurance adjuster to the mortgage company is incorrect. This is what the mortgage inspector…

Hello, Our roof was damaged in the Marshall Fire of 2021. The whole roof is damaged (it has ash and impact damage) and it has caused 3 leaks inside the house. USAA had an inspector come and evaluate the damage and that inspector determined that…

I had a small electrical fire complicated by the presence of asbestos. The majority of my belongings were disposed of due to contamination. The contents company my adjuster insisted I work with was awful and believe they overcharged for services. My adjuster paid for their…

If our HOA gets a Firewise Certification, will our homeowners get consideration for discounts / positive renewals? Does Firewise Certification allow some flexibility from the requirement to remove all shrubs within 5 feet of the houses? Thanks, John

Hi there, I was recently denied a claim for water damage. I had found a significant amount of water in my home during a storm. The roof of my home had, within the same year, a roofer on it who proactively sealed an area with…

We live in CA and own a 6 unit building that is under rent control in the city of LA. Our building insurance is now due for a renewal, which of course, they are not going to renew. We were originally paying around $3000 annually…

Hello, My family of four was recently displaced from our home due to total loss house fire roughly 5 weeks ago. While we wait for insurance to provide their estimate on repairs, I’ve a few questions. Will we still be able to utilize code update…

Can an insurance company refuse to pay out on home insurance policy claims after foreclosure on home, even if policy is still paid and clients still reside in residence?

I’ve been dropped by my insurance company in Paradise, California and it seemed my only choice was the FAIR plan, which is prohibitively expensive. But now I’ve heard about non-admitted insurers and would like to contact a company or a broker to find one and…

We have carried homeowner’s insurance on our primary residence for over 40 years now. Naturally, premiums have risen with increases of replacement value. At this point (with no mortgage or other liens on the property), we would rather assume some of the risk ourselves and…

Hi, we have just received a Notice of Non-Renewal of our H.O. policy in SW Florida. We have an open claim that has resulted in litigation for underpayment of Hurricane Ian damages, mostly related to our tile roof. Our insurer (Florida Peninsula) has stated the…

“This group provided valuable information and support for those who lost their homes in the Fourmile Fire two years ago and they have worked in many other communities that have suffered property damaging disasters. I recommend them without reservation.”

“We cannot thank you enough for all your support, education and assistance through our recovery from the 2017 Tubbs Fire. Without all your input I have no idea how we could have recovered. We’re not quite there yet, but getting closer! Many, many thanks.”

“The disaster recovery resources you provided helped many individuals and families.”

“Certificate of Appreciation in recognition of your outstanding contributions to the Third Supervisorial District and the County of San Diego.”

“(United Policyholders) provided helpful insights into the state of the current insurance market for earthquake, fire and flood coverage, and the critical rile insurance plays in the ability of our communities recover from such catastrophic events. You brought an important and unique perspective to the hearing, that of homeowners themselves.”

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