UNITED POLICYHOLDERS

Financials

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2024, highest compensation first.

Address and contacts

Address (IRS master file)

917 IRVING ST STE 4, SAN FRANCISCO, CA 94122-2224

Principal officer (990 for 2024)

Amy Bach, 917 Irving Street 4, San Francisco, CA 94122

Signed the 990

Amy Bach, Exec Director

Phone

(415) 393-9990

Website

www.uphelp.org

Return prepared by

Fontanello Duffield & Otake LLP

California records

California keeps its own records of charities and corporations. Search them by EIN 94-3162024 or by the name UNITED POLICYHOLDERS.

Attorney General, Registry of Charities and Fundraisers

Registration status and filed reports (CT-TR-1, RRF-1)

Secretary of State, bizfile Online

Corporation status, entity number, agent for service

Franchise Tax Board

Entity status letter (state tax exemption, good standing)

Mission

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

Program accomplishments

• 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

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

IRS record

EIN

94-3162024

Tax-exempt status

501(c)(3): Charitable, religious, educational or scientific organization

Foundation status

Publicly supported organization (170(b)(1)(A)(vi))

Donations deductible (Pub 78)

Public charity, 50% deduction limit

Exempt since

1993

Accounting year ends

December

Files

Form 990 or 990-EZ

Category (NTEE)

Unknown (Z99Z)

Assets (IRS master file)

$1,909,059

Income (IRS master file)

$1,463,337

Filing history

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-3162024).

Questions about UNITED POLICYHOLDERS

What is the EIN of UNITED POLICYHOLDERS?

The employer identification number (EIN) of UNITED POLICYHOLDERS is 94-3162024.

Is UNITED POLICYHOLDERS tax-exempt?

Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1993.

Are donations to UNITED POLICYHOLDERS tax-deductible?

Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).

Which annual return does UNITED POLICYHOLDERS file?

Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.

When is the next return of UNITED POLICYHOLDERS due?

The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.

When did UNITED POLICYHOLDERS last file with the IRS?

The latest return in the IRS public files is the 990 for the year ended December 2024.

Who is the principal officer of UNITED POLICYHOLDERS?

The 990 for the year ended December 31, 2024 names Amy Bach.

Who are the officers and directors of UNITED POLICYHOLDERS?

The 990 for the year ended December 31, 2024 lists 14 people; 3 received compensation from the organization, the highest $214,668 (Amy Bach, Exec Director).

How much revenue does UNITED POLICYHOLDERS have?

On its 990 for the year ended December 31, 2024 it reported revenue of $1,348,420, expenses of $1,970,981 and total assets of $1,909,059 at year end.

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