UNITED POLICYHOLDERS

As filed

Subsection

03

NTEE code

Z99Z

Classification

1000

Street

917 IRVING ST STE 4

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

• 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.

  Expenses $765,543

• 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.

  Expenses $489,077

• 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.

  Expenses $239,534

• Program Expenses not allocated to a particular program.

  Expenses $200,914

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

• 2024

  Revenue

  $1,348,420

  Expenses

  $1,970,981

  Contributions

  $1,294,166

  Grants paid

  $0

• 2023

  Revenue

  $1,304,255

  Expenses

  $1,531,648

  Contributions

  $1,225,858

  Grants paid

  $0

• 2022

  Revenue

  $2,679,886

  Expenses

  $1,225,805

  Contributions

  $2,674,394

  Grants paid

  $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

• 2021 · 990

  Revenue

  $1,265,932

  Expenses

  $1,192,369

  Assets (EOY)

  $1,175,090

• 2020 · 990

  Revenue

  $897,321

  Expenses

  $1,014,828

  Assets (EOY)

  $1,199,888

• 2019 · 990

  Revenue

  $1,023,985

  Expenses

  $779,736

  Assets (EOY)

  $1,194,810

• 2018 · 990

  Revenue

  $897,748

  Expenses

  $661,659

  Assets (EOY)

  $1,000,812

• 2017 · 990

  Revenue

  $801,015

  Expenses

  $631,410

  Assets (EOY)

  $698,637

• 2016 · 990

  Revenue

  $285,160

  Expenses

  $508,676

  Assets (EOY)

  $510,963

• 2015 · 990

  Revenue

  $316,808

  Expenses

  $501,970

  Assets (EOY)

  $732,859

• 2014 · 990

  Revenue

  $262,928

  Expenses

  $520,418

  Assets (EOY)

  $982,622

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

• THE COMMUNITY FOUNDATION

  $385,000

  2022 · WILDFIRE RELIEF

• CALIFORNIA COMMUNITY FOUNDATION

  $300,000

  2024 · DISASTER RESPONSE

• CENTER FOR DISASTER PHILANTHROPY INC

  $250,000

  2023 · FUNDING FROM THE CDP ATLANTIC HURRICANE SEASON RECOVERY FUND SUPPORTS UP'S EFFORTS TO DELIVER RECOVERY ASSISTANCE SERVICES TO HOUSEHOLDS IMPACTED BY HURRICANES IAN AND NICOLE THROUGH TIME-TESTED ROADMAP TO RECOVERY(R) (R2R) AND ADVOCACY AND ACTION PROGRAMS.

• PASADENA COMMUNITY FOUNDATION

  $150,000

  2025 · PCF Discretionary

• THE COMMUNITY FOUNDATION

  $115,000

  2024 · SPECIFIED PURPOSE

• COMMUNITY FOUNDATION OF SARASOTA COUNTY INC

  $100,000

  2024 · PUBLIC, SOCIETY BENEFIT (INCLUDES VETERANS)

• VENTURA COUNTY COMMUNITY FOUNDATION

  $100,000

  2024 · TO SUPPORT HOUSEHOLDS AFFECTED BY THE MOUNTAIN FIRE THROUGH PROGRAMS LIKE THEIR ROADMAP TO RECOVERY, PERSONALIZED INSURANCE CLAIM COUNSELING, AND TAILORED WORKSHOPS

• EQUAL JUSTICE WORKS

  $68,585

  2024 · FELLOWSHIP SUPPORT

• COMMUNITY FOUNDATION SANTA CRUZ COUNTY

  $67,514

  2022 · FOR ROADMAP TO RECOVERY, LONG-TERM RECOVERY GROUP HELP, WRAP RESOURCE CENTER

• DONOR ADVISED CHARITABLE GIVING

  $52,450

  2024 · PUBLIC, SOCIETAL BENEFIT

The 10 largest by cash amount. The API serves every itemized grant.

Other IRS files