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You Need Answers. Use this forum to get them. Search for answers or post a question about your insurance issue or the loss recovery process. Expert volunteers include professionals in construction, insurance claims and insurance law plus people sharing their own disaster recovery lessons learned.

I’m looking for the video on the June 11 webinar focusing on homeowners insurance in CA

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…

I live in New Jersey, and have a standard auto policy with Progressive currently covering me, my wife, my adult daughter (who lives with us), and my adult son, who lives in (and has his permanent address in) New York. My son comes to New…

I lost everything in the 2020 CZU Fire and, working with a State Farm claims adjuster, created an itemized list of my personal property loss. The three year window closes April 2024 and I still have items to replace. My case has been handed off…

I have a small construction business and I had an accident on the job site. I had to install a stone wall and  while I was taking a measurement, part of the stone broke off. The stone is the client’s property, but I claimed it…

Our course of construction insurance is about to lapse, and we are struggling to find homeowner’s insurance, even though our new house is very firesafe (it was built that way). Fair Plan is backlogged and no one is writing policies in our area. We live…

Is it possible for a homeowner to get access to the Verisk Fireline data for their address?

We had water damage in our kitchen and the rebuild vendor removed all the bottom cabinets, but there was mold in the drywall behind it. The upper cabinets were not affected. Four months have passed and the vendor cannot match the cabinets as they are…

Thank you in advance for the opportunity to have my questions answered. I lost the use of my home in April of 2021 due to a partial loss fire. I was relieved to learn that I was considered to have purchased more than enough homeowner’s…

Hi – We decided to buy rather than rebuild. We asked our insurance company to have ALE support us with the move. Our request was denied. The reason why is very confusing. Our adjuster said moving cost will come out of our personal property adjustment.…

My insurance company is not renewing policy and the end of term is here. There is still an open claim, but no one else will insure us with an open claim. Looks like we will need to close the claim prematurely just to get a…

Hello- we lost our home in the Marshall Fire. The one year anniversary is approaching and a recent email sent by the city implied that there may be a one-year limit to suing your agent for underinsurance. We are severely underinsured with a new policy…

My home was lost in the Marshall Fire and I have replacement insurance through Country Financial. I understood that CF would pay as the builder invoices me, but was just told that only the “limit of liability” funds on my policy would be paid, and…

We lost our house in the Marshall Wildfire, our 2 year ALE period is up 30 Dec 2023. I downloaded the STATE REQUIREMENTS ON ALE-3 CCR 702-5 DORA Emergency Regulation 22-E-09 Tolling Time Limits. Is the document binding on insurance companies? I showed it to…

I’m getting ready to file a pro se civil suit against Progressive Insurance and SelectQuote Insurance Services, the agency that sold a progressive auto and homeowner’s policy in February of 2020. In December of 2021, a large tree in my backyard blew over in a…

“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.”

“Whenever I felt confused about any topic I first looked it up in the yellow book. Then I could go deeper based on what I read. Or I knew when to call it good.”

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