2025-11-15T15:50:01-08:00 2024-12-31 371420474 Fontanello Duffield & Otake LLP 111 Pine Street Suite 1750 San Francisco CA 94111 990 2024-01-01 943162024 United Policyholders UNIT 4153939990 917 Irving Street 4 San Francisco CA 94122 Amy Bach Exec Director 2025-11-15 true true Carol Duffield P01257136 4159830200 2024 2025-03-06 01:10:19Z Amy Bach 917 Irving Street 4 San Francisco CA 94122 1463337 false X www.uphelp.org X 1991 CA United Policyholders ("UP") is a voice and an information resource for insurance consumers throughout the country. UP helps people make good decisions when buying insurance and filing insurance claims. 12 11 19 705 0 1225858 1294166 31500 0 40188 53236 6709 1018 1304255 1348420 0 0 1102564 1384110 288 141344 429084 586583 1531648 1970981 -227393 -622561 2480993 1909059 169742 226582 2311251 1682477 X United Policyholders (UP) is a 501(c)(3) non-profit organization founded in 1991 that serves as a voice and an information resource for insurance consumers in all 50 states and the District of Columbia. UP guides consumers on shopping for insurance, reducing risk and keeping their assets protected, offers extensive resources related to loss recovery, coverage and the claim process, and is engaged in ongoing advocacy efforts to advance fair insurance practices and uphold policyholders reasonable expectations of coverage.Through a Roadmap to Recovery(R) program, we empower disaster victims, individuals and businesses to successfully navigate the insurance claim and loss recovery process and secure fair, full and prompt payouts and settlements. We do this by creating and disseminating free guidance and tools--including a workshop series, a free online claim guidance library, educational videos, a professional help directory, and volunteers and staff who are experts in personal finance, co false false 765543 ROADMAP TO RECOVERY(R) HIGHLIGHTS 2024 * Empowered over 500,000 disaster victims, individuals and businesses to successfully navigate the insurance claim and loss recovery process and secure fair, full and prompt payouts and settlements.* Presented 50+ Roadmap to Recovery events in California, Colorado, Florida and Hawaii (in-person and online workshops, Q&A forums, Survivor to Survivor support forums and Claim Guidance Office Hours). * Supported households impacted by the following 2024 California wildfires through online and in person resources: Franklin Fire (Los Angeles County), Mountain Fire (Ventura County), Airport Fire (Orange and Riverside Counties), Boyles Fire (Lake County), Bridge Fire (Los Angeles and San Bernardino Counties), and Line Fire (San Bernardino), Borel Fire (Kern County), French Fire (Mariposa County), Hawarden Fire (Riverside County), Lake Fire (San Bernardino County), Nixon Fire (Riverside County), Park Fire (Butte and Tehama Counties), and Thompson Fire (Butte Fire). * Established and maintained 12 dedicated online help libraries for hurricane, flood and wildfire survivors in California, Maine, Texas, Arkansas, Iowa, Kansas, Kentucky, Michigan, Missouri, Nebraska, Oklahoma, Tennessee, New Mexico, Iowa, Minnesota, South Dakota, Florida, Georgia, South Carolina, North Carolina, Alabama, Virginia, West Virginia.* Distributed 800 free copies of The Disaster Recovery Handbook and Household Inventory Guide and Roadmap to Recovery Organizers to catastrophic loss victims throughout the U.S.* Provided individualized insurance and recovery support to through our Ask an Expert forum, Q & A during R2R events and webinars, and answers to questions submitted to the organization through emails and phone calls. UP staff answered questions and processed consumer complaints with assistance from volunteers with expertise in construction, claim, forensic, and legal professionals as well as people with personal experience in disaster recovery.* Conducted trainings for employees of entities and organizations providing Case Management services to individuals and families across the country whose homes were damaged or destroyed by natural disasters.* Supported over 705 volunteers that serve through our Team UP volunteer program of previous disaster survivors and professional volunteers that support our programs with 136 individuals volunteering 727 volunteer hours.* Distributed client help materials to NGO, faith-based, and government agency partners.* Expanded our national Find Professional Help and State-by-State Assistance directories. 489077 ROADMAP TO PREPAREDNESS 2024* Served as expert presenters at 100+ insurance-focused disaster preparedness events throughout the country.* Informed California residents on how to find and maintain insurance on their homes through our Wildfire Risk Reduction and Asset Protection Project (WRAP), outreach and educational activities.* Created a Colorado-specific shopping website that aggregates info and help resources: www.uphelp.org/coinsurancehelp while updating Colorado-specific publications and handouts and delivering a webinar to introduce the new resource.* Translated and distributed insurance and preparedness tips in five languages (Spanish, Vietnamese, Mandarin Chinese, and Tagalog) thanks to a grant from the CA Office of Emergency Services. * Created localized risk reduction help and resource info for all 58 counties in California. 239534 ADVOCACY AND ACTION HIGHLIGHTS 2024 * Continued gathering data, raising awareness about and proposing solutions to a growing affordability and availability crisis related to home, auto and commercial property insurance that is impacting residents of Florida, Louisiana, California, Colorado, New York, and a growing number of other states.* Addressed public officials, realtors, insurance industry and legal professionals at numerous conferences on the negative impacts that climate change, technology and inflation are having on insurance consumers.* Testified at California, Colorado and Oregon legislative hearings, submitted comments on legislative proposals in Florida, Utah, California, Colorado, Louisiana, engaged in numerous conversations with elected officials and their staff members on matters impacting insurance consumers and solutions to patterns of problems that are manifesting. 40+ appearances before government and lawmaking bodies.* Attended meetings of the National Association of Insurance Commissioners (NAIC) in our capacity as an official consumer representative. Briefed state insurance regulators and their staff members on challenges that insurance consumers are encountering, discussed and proposed solutions, commented on proposed NAIC publications and participated in various working groups, and was a presenter in Phoenix, AZ, Chicago, IL, and Aurora, CO.* Participated as a panelist during a Center For Insurance Policy and Research special event titled Measuring and Assessing (Homeowner) Insurance Affordability.* Spoke on several panels during in-person and virtual meetings of the National Conference of State Insurance Legislators (NCOIL) and engaged in ongoing communications with state lawmakers who are members of the organization on issues impacting consumers.* Testified by invitation before the Little Hoover Commission in California on the topic of Californias home insurance market. * Continued collecting samples of coverage limits and exclusions that are appearing in policies across the United States and creating coverage gaps, and using them to advance UPs Restoring Insurance Safety Nets (RISC) Project. This project is aimed at reversing the erosion of insurance protection through policy language changes that reduce the amount of available benefits for repairing and replacing damaged properties. These wording changes and exclusions, designed to protect insurer profitability, are dangerously eroding the financial safety nets that homeowners are paying for and expecting to be able to rely on when disaster strikes. They are causing a ripple effect of harm to people, communities, real estate values, lenders, and ultimately, all of us. * Advocated with the Federal Emergency Management Agency for improvement reforms to the National Flood Insurance Program * Served as a voice for consumers and a source for broadcast, print and online media outlets in over 340 articles.* Actively monitored property insurance markets, premiums and insurance consumer experiences in high population states across the country, aggregated data and provided it to regulators, legislators and journalists.* Drafted and advanced model legislation to establish reasonable regulations on insurers use of aerial images, provide consumers with the right to access images of their property and give property owners the opportunity to cure conditions that are out of compliance with an insurers underwriting guidelines in order to retain their coverage.* Coordinated with a lawmaker in Massachusetts on the introduction of legislation matching UPs proposed model law related to aerial images.* Supported and helped enact legislation in Colorado to facilitate risk reduction (mitigation) of individual homes and condominiums (CO), a Mortgage Homeowners Bill of Rights, and a bill to establish standards for wildfire smoke remediation and insurance claim handling of claims via an initial study group and subsequent rulemaking.* Engaged in extensive communications with CO DOI staff and stakeholders to help build a FAIR Plan in that state to serve as a safety net for households that cant find coverage in the private marketplace.* Advocated with legislators and the Hawaii Division of Insurance to protect policyholders insurance consumer rights. * Filed comments supporting H.R. 7849 the Disaster Resiliency and Coverage Act of 2024* Filed comments supporting RE: H.R. 6944 - INCORPORATING NATIONAL SUPPORT FOR UNPRECEDENTED RISKS AND EMERGENCIES (INSURE ACT)* Filed 11 "friend of the court" legal briefs presenting policyholders perspectives in both state and federal appellate and supreme courts, bringing the total number of amicus briefs filed by UP since our inception to well over 600. 200914 Program Expenses not allocated to a particular program. 200914 1695068 true true false true false false false false false false true false false false false false false false false false false false false false true false false false false true false false false false false false true false false false false false false false false false false true 10 0 true 19 true false false false false false true true false 0 false false false false false false false X 12 11 false false false false false false false true true false false true true true true true true true true false CA X Molly Isenbarger 4153939990 2607 Westridge Road Los Angeles CA 900491234 Amy Bach Exec Director 40.00 0.00 X X 214668 0 26954 Valerie Brown Deputy Exec Dir 40.00 0.00 128800 0 28356 Emily Rogan Sr Prgm Officer 40.00 0.00 108741 0 12 Steve Falk Director 1.00 0.00 X 0 0 0 Maureen Simons Director 1.00 0.00 X 0 0 0 Norm Boone Treasurer/Dir 2.00 0.00 X X 0 0 0 John Ellison Director 1.00 0.00 X 0 0 0 Bill Hedden President/Dir 2.00 0.00 X X 0 0 0 Rani Gupta Director 1.00 0.00 X 0 0 0 Martin Kirkwood Vice Pres/Secty 1.00 0.00 X X 0 0 0 Robert Muriel Director 1.00 0.00 X 0 0 0 Doug Wertheimer Director 1.00 0.00 X 0 0 0 Dan Veroff Director 1.00 0.00 X 0 0 0 William Chip Merlin Director 1.00 0.00 X 0 0 0 452209 55322 3 false true false 0 198556 274444 821166 1294166 0 53236 53236 0 0 0 0 114917 198556 114917 0 0 1018 1018 1018 0 1348420 1018 53236 0 0 0 0 241622 214893 9357 17372 0 996116 887543 35691 72882 0 65856 57717 4070 4069 80516 72493 4810 3213 0 0 43570 43570 0 288 288 0 130326 130326 1126 1126 2162 2149 1 12 23049 21357 203 1489 0 45577 41245 1530 2802 55569 52820 711 2038 0 14462 9930 4528 4 8297 883 4026 3388 0 12690 11549 432 709 11406 8890 1936 580 Uncollectible Accounts 52008 52008 Program Supplies 44270 44270 Printing and Publications 42073 41783 76 214 Payroll Service Fees 28693 6038 22125 530 71305 38048 1503 31754 1970981 1695068 134569 141344 248266 269004 1998187 1425372 0 171743 105283 0 0 0 0 28704 92997 14519 14519 0 0 0 0 26123 13433 7970 2970 2480993 1909059 169742 226582 169742 226582 X 1957651 1359847 353600 322630 2311251 1682477 2480993 1909059 -622561 -6213 X false false false X 881827 1264262 2674394 1225858 1268166 7314507 0 0 881827 1264262 2674394 1225858 1268166 7314507 0 7314507 12494 508 4263 40188 53236 110689 0 0 7425196 0.98510 0.99000 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false false 1944981 1944981 247249 61812 false 194237 197581 226611 247249 865678 1298517 48559 49395 56653 61812 216419 324629 14519 14519 X X X X X X X true Bing Consulting 5924 Fredricks Raod Sebastopol CA 95472 Event Planning false 313473 26000 287473 313473 26000 287473 CA UP to Good 313473 198556 114917 114917 313473 198556 114917 114917 114917 X X false false false false false false false false false Amy Bach Exec Director 214668 26954 241622 Valerie Brown Deputy Exec Dir 128800 28356 157156 Jordan Bach Son of the ED 11250 false Schedule L, Part V Supplemental Information The Executive Director's sone provided independent research on the WRAP Program. Form 990, Part VI, Section B, Line 11b Usually the Form 990 is prepared by a tax professional and then reviewed by the organization's management and Board of Directors. The return is discussed and changes are made if necessary. The final version of the 990 is signed by the Executive Director and the return is filed with the I.R.S. Form 990, Part VI, Section B, Line 12c The Board of Directors reviews all potential conflicts of interest annually. The Executive Director and all Board Members are required to disclose (in writing) potential conflicts of interest and related board affiliations. Any potential conflicts are discussed openly and resolved in accordance with the organizations policies and procedures. Form 990, Part VI, Section B, Line 15a The Board of Directors reviews the compensation of all high-level personnel annually in accordance with the I.R.S rules and regulations. Efforts are made to research data from industry sources to determine competitiveness of salaries. Every effort is made to comply with I.R.S. guidelines and the organization's policies and procedures to establish transparency in the process. Form 990, Part VI, Section B, Line 15b Compensation of other personnel is reviewed annually by the Board of Directors and members of management. Efforts are made by researching industry data to determine the competitiveness of salaries and related benefits. Form 990, Part VI, Section C, Line 19 All of the organization's governing documents, financial statements and other legal filings are maintained in a secure environment and held available for inspection by tax authorities and the general public. Tax returns are posted annually to www.guidestar.org and are also available at the organization's office in San Francisco, CA.