Welcome Policyholder! A Look Inside Your Side
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New Rules

Once upon a time there were calamities. No, not earthquakes, hurricanes or some other catastrophes, but something much less noticeable: some adjusters, welcomed with open arms, who knowingly or unknowingly took advantage of policyholders in their time of need, when they were most vulnerable. The millions of people who survived a disaster each year such as earthquake, hurricane, tornado, fire, and flood usually carried insurance, but they generally had only an idea of what they should expect based on company advertising, even after asking around. Nearly everyone had been left out of the loop. Suddenly by some stroke all the people in the land were given the rights and rules that met what they had been promised! Nothing was ever quite the same...they lived happily prepared ever after.

    The N.A.I.C. (government entity that makes the insurance rules) Unfair Property/Casualty Claims Settlement Practices Model Regulation section on policyholder rights and insurance company responsibilities is contained in the book, "Policy Ensurance." It not only helps to have rights and rules, where are we without them?

Thank you for your visit. It is hoped you choose to take the expectation high-road.

© 2011 APB

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"This is to acknowledge your disaster preparedness information ...Thank you for providing this valuable information to the department. We are always looking for ways to educate the public on [an] important issue such as disaster preparedness."

"Thank you...We appreciate your efforts in crafting a website dedicated to preparedness and preventing the stress that goes along with disasters events. The information you have provided is helpful...Thank you for your interest in preparedness."

This content is local to your area only in that it affects virtually everyone in your area, indirectly or directly: property insurance policyholders. When the next stories run having to do with local disasters such as fire, hurricane, earthquake, flood, tornado, etc., perhaps think of those disaster survivors and to what extent you may have helped in their preparedness and recovery. The simple truth is still the most powerful to articulate and pass-on, especially in this day of social media. Thank you for any help you may give.

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What is your philosophy: drive or be driven? I happen to think we are wise to keep our "drive" alive.