The American Policyholder Association

10/16/2026

🌪️ Hurricane damage is stressful enough. Fighting with your insurance company shouldn’t add to it.

After a storm like Hurricane Isaias, you may find yourself dealing with confusing coverage decisions, denied claims, or an insurance settlement that doesn’t seem to reflect the damage to your home.

That’s why we created our “How to Self-Advocate in an Insurance Dispute” guide. 📖

Inside, we break down practical steps you can take to understand your claim, communicate effectively with your insurer, document your losses, and advocate for the coverage you’re entitled to.

You don’t have to be an insurance expert to stand up for yourself. 💪

👉 Download our guide and learn how to be your own best advocate when navigating an insurance dispute.

https://apassociation.org/wp-content/uploads/2021/11/APA-Resource-Guide-How-to-Self-Advocate-after-Insurance-Dispute.pdf

10/15/2026

𝐓𝐰𝐨 𝐬𝐞𝐩𝐚𝐫𝐚𝐭𝐞 𝐨𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧𝐬. 𝐎𝐧𝐞 𝐬𝐡𝐚𝐫𝐞𝐝 𝐜𝐨𝐦𝐦𝐢𝐭𝐦𝐞𝐧𝐭 𝐭𝐨 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐧𝐠 𝐩𝐨𝐥𝐢𝐜𝐲𝐡𝐨𝐥𝐝𝐞𝐫𝐬.

The American Policyholder Association (APA) and American Policyholder Resources (APR) operate independently, with distinct missions and purposes.

The APA is focused on advocacy, accountability, and driving meaningful change within the property loss adjustment sector—working with industry stakeholders to elevate consumer concerns and push for action.

APR is dedicated to educating and empowering policyholders by providing accessible resources, information, and guidance to help consumers better understand their coverage, protect their rights, and navigate the claims process.

While APA and APR operate separately, both are committed to supporting policyholders and strengthening consumer awareness, education, and advocacy.

𝐈𝐧𝐝𝐞𝐩𝐞𝐧𝐝𝐞𝐧𝐭 𝐨𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧𝐬. 𝐀 𝐬𝐡𝐚𝐫𝐞𝐝 𝐜𝐨𝐦𝐦𝐢𝐭𝐦𝐞𝐧𝐭 𝐭𝐨 𝐩𝐨𝐥𝐢𝐜𝐲𝐡𝐨𝐥𝐝𝐞𝐫𝐬.

APA: 🌐 www.apassociation.org
APR: 🌐 paypal.com/donate?hosted_button_id=89hhbpe429p38

10/13/2026

On Monday, October 5th, APA Executive Director, Doug Quinn, testified before the Texas House of Representative Insurance Committee to bring to attention to insurer fraud; fraud perpetrated by insurance companies against consumers.

“Financially struggling families dig deep to pay premiums for insurance protection on their assets. This requires an environment of trust,” said Quinn. “The American public is starting to understand that their trust is being violated.”

Since its formation in 2018, the American Policyholder Association has advocated for policyholder rights by building relationships with Attorney Generals and encouraging them to stand up for consumers in their states.

As the organization continues its work, we are encouraged to see Attorney Generals taking the issue seriously and intend to continue pushing for meaningful change.

Policyholder abuse thrives in darkness and anonymity. We are here to bring it to light.

https://youtu.be/_VF8R8pi4os

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10/12/2026

Policyholders deserve transparency, fairness, and a voice.

Consumers deserve strong advocates willing to ask tough questions, challenge wrongdoing, and demand accountability.

📣 𝐒𝐩𝐞𝐚𝐤 𝐮𝐩. 𝐀𝐬𝐤 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬. 𝐊𝐧𝐨𝐰 𝐲𝐨𝐮𝐫 𝐫𝐢𝐠𝐡𝐭s.

The APA stands with consumers and believes every policyholder deserves to be heard. Together, we can push for a fairer, more transparent insurance system.

📩 [email protected]
🌐 www.apassociation.org

10/11/2026

ONE MISSION. ONE IDENTITY. 🇺🇸

A stronger voice for American policyholders starts with coming together.

American Policyholder is building a nationwide movement focused on education, resources, advocacy, and meaningful policy change—all with one goal: protecting property owners and giving policyholders a stronger voice.

Same commitment. Stronger together.

🇺🇸 More details will be coming soon.

10/10/2026

💡 Did You Know?

Donating to a 501(c)(3) nonprofit like American Policyholder Resources (APR) may qualify you for a tax-deductible charitable contribution—while also supporting education and resources for insurance policyholders.

APR helps empower consumers through resource guides, educational videos, and consumer outreach.

👉 Want to learn more about APR and how you can support its mission?

🔗 Donate Here: https://www.paypal.com/donate?hosted_button_id=89HHBPE429P38&fbclid=IwY2xjawU2Qf1leHRuA2FlbQIxMABwZG9mAWJyaWQRMWpraXlnRFVuYlRCeVA0RkxzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEeYJiIWZpzAZrMd4aA6L3CmMwRYYbp2ZoaBMSVBAbgiB0YcAW0OdhuuDMa5BE_aem_qh2Ngjtyeza36XHB_P9OZg

10/09/2026

⚠️ TO EVERYONE WHO MAY BE AFFECTED BY HURRICANE ISAIAS ⚠️

If you are in the path or potentially impacted by Hurricane Isaias, please take this storm seriously and prepare now. 🌪️

Please stay alert, follow local emergency officials, and be ready to evacuate if instructed. Check on your loved ones, neighbors, elderly community members, and anyone who may need additional help getting to safety.

To everyone who may be affected: please stay safe, stay informed, and look out for one another.

FOR LIVE UPDATES: https://www.nbcnews.com/weather/hurricanes/live-blog/live-updates-hurricane-isaias-rcna602422

Hurricane Isaias is continuing to gain strength early Friday as a Category 3 hurricane, according to the National Hurricane Center.

10/08/2026

🏠 Earth movement. Improper installation. Wear & tear.

These are examples of non-covered causes that may be cited in an engineering report to explain why certain damage isn’t covered under a policy.

But here’s the important question: Is that really what caused the damage?

The way damage is characterized can have a major impact on whether your claim is covered.
If your property insurance claim is denied or limited based on an engineering report, don’t be afraid to ask questions, review the findings, and get a second opinion.

Your coverage—and potentially thousands of dollars—could depend on it.

📌 Save this post and share it with a property owner who needs to see it.

10/06/2026

🚨 BREAKING NEWS 🚨

Sen. Elizabeth Warren and Sen. Josh Hawley are demanding answers from six major insurers over claims that are being closed without payment—while homeowners and drivers continue to face dramatically higher insurance costs.

For policyholders, this is about more than statistics. It’s about what happens when your home is damaged, your car is wrecked, or disaster strikes.

You pay your premiums expecting your coverage to be there when you need it most.

𝐓𝐡𝐞 𝐀𝐦𝐞𝐫𝐢𝐜𝐚𝐧 𝐏𝐨𝐥𝐢𝐜𝐲𝐡𝐨𝐥𝐝𝐞𝐫 𝐀𝐬𝐬𝐨𝐜𝐢𝐚𝐭𝐢𝐨𝐧 𝐛𝐞𝐥𝐢𝐞𝐯𝐞𝐬 𝐜𝐨𝐧𝐬𝐮𝐦𝐞𝐫𝐬 𝐝𝐞𝐬𝐞𝐫𝐯𝐞 𝐭𝐫𝐚𝐧𝐬𝐩𝐚𝐫𝐞𝐧𝐜𝐲, 𝐟𝐚𝐢𝐫 𝐜𝐥𝐚𝐢𝐦𝐬 𝐡𝐚𝐧𝐝𝐥𝐢𝐧𝐠, 𝐭𝐢𝐦𝐞𝐥𝐲 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬, 𝐚𝐧𝐝 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐟𝐫𝐨𝐦 𝐭𝐡𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐧𝐝𝐮𝐬𝐭𝐫𝐲.

READ IT HERE: https://www.insurancejournal.com/news/national/2026/10/06/888045.htm

US Senators Elizabeth Warren and Josh Hawley are questioning six insurers, including State Farm Mutual Automobile Insurance Co. and Allstate Corp., over

10/05/2026

APA Executive Director, Doug Quinn, had the pleasure of testifying today before the Texas State Legislature on the critical issue of insurer fraud.

Proudly, the American Policyholder Association was the only consumer protection advocate testifying today, standing among a sea of insurer lobbyists. We were determined to ensure that the voices and interests of Texas policyholders were represented in the room.

A special thank-you to Representative Matt Morgan for making sure the people’s voice was heard.

And thank you to John Wood, Shaun Hodge, Hunter Klein, Weiss Ratings, and Texas Appleseed for your invaluable contributions and commitment to protecting consumers.

We will continue to advocate for transparency, accountability, and a fair insurance system that puts Texas policyholders—not special interests—first.