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United Policyholders — free nonprofit help with home insurance claims, the FAIR Plan and wildfire-risk discounts

Phone number
none – email info@uphelp.org
Category
Home
Legal
Auto tags
Eligibility
Anyone with, or shopping for, insurance (all 50 states); focus on homeowners and renters after disasters and in wildfire areas
Auto Summary
United Policyholders (UP) is a 501(c)(3) nonprofit consumer group for people with insurance, co-founded in 1991 after a Northern California wildfire destroyed 3,000 homes. It publishes free guides on filing and negotiating claims (Roadmap to Recovery), buying coverage, the California FAIR Plan, and the WRAP Resource Center on wildfire risk reduction for better insurance options. No insurance companies fund it. Not a law firm or insurer. Verified 2026-09-28.
Value
$0
Espanol
United Policyholders — ayuda gratuita sin fines de lucro con reclamos de seguro de vivienda, el FAIR Plan y descuentos por reducir el riesgo de incendios
URL
uphelp.org
Who it's for: anyone dealing with insurance — especially homeowners and renters in wildfire country who face non-renewals, the FAIR Plan, or a claim after a fire.
United Policyholders (UP) is "a non-profit 501(c)(3) organization" whose mission is to be "an effective voice for consumers of all types of insurance." It was co-founded in 1991 after a Northern California wildfire destroyed 3,000 homes. "No insurance companies underwrite or fund our programs."

Free help on the site

  • Roadmap to Recovery® and a Claim Guidance Library — how to document losses and negotiate a claim after a disaster (uphelp.org/recovery)
  • Buying tips, including UP's guide to the California FAIR Plan (the last-resort home insurer) and picking an agent or broker (uphelp.org/buying-tips)
  • WRAP Resource Center (Wildfire Risk Reduction and Asset Protection) — the wildfire-safety steps insurers are starting to reward, such as the state's Safer from Wildfires standards, and where to find local help and grants (uphelp.org/preparedness/wrap-resource-center)
Keep in mind: UP gives information and advocacy. It is not a law firm and does not sell insurance. For a formal complaint about an insurer, contact the California Department of Insurance.
Contact: info@uphelp.org.
Source: United Policyholders — About / Our Mission, uphelp.org/about; WRAP Resource Center; Buying Tips (all checked 2026-09-28). Lead from the Nevada County News newsletter (9/24, FAIR Plan forum).