The Best Jobs Helping Seniors in Their Homes

Table of Content

• Job availability and security
• Staying Social and Active
• Caregiving is Rewarding and Fulfilling
• You Want to Work in a Job That Isn't Physically Challenging
• Checking if the site connection is secure
• Geriatric Nursing Assistant (GNA) - ***SIGN-ON BONUS***
• Professional Caregiver

Generally, they also answer questions, assist people with packages, keep an eye out for shoplifters, and do basic cleaning. Aside, perhaps, from some extremely physically demanding occupations, almost any job that can be done by a younger person can be done by someone older. It really just depends on the individual, since everyone ages differently. Speech pathologists and therapists who work with the senior population help their patients regain their speech or correct faults which lead to speech irregularities. They may also help others speak more efficiently and accurately and understand verbal communication from others.

Relatives and friends or even neighbors are usually the first in line to provide caregiving support. Whether it’s a dedicated relative providing ongoing basic care support or several relatives that pitch in to help their elderly family member, it’s a serious and significant responsibility. An important way to help the elderly age at home is to ensure their safety.

Job availability and security

Because caregivers take over the burden of caregiving, family members don’t have to worry about their aging loved ones as frequently. In today's fast-changing world, jobs or activities from further back in time often aren't relevant. You can make exceptions for very relevant past positions, but in general, you don't need to include jobs from long ago. Older workers often wonder how up front they should be about their age when applying for jobs. After all, "jobs for old people" isn't usually a specific category on job boards, so you're most likely competing with workers of all ages. Even for active seniors, physical limitations can make it difficult to do certain types of work.

Physical therapists diagnose and treat patients who have health conditions that limit their ability to move and perform everyday activities. Geriatric physical therapists help elderly patients achieve the highest degree of physical health and mobility possible by focusing on ailments like arthritis, osteoporosis, Alzheimer’s, and joint problems. Therapists may design custom exercise plans that work to keep the patient as physically fit and active as possible. Occupational therapists are specialists who treat injured, ill, disabled, or elderly patients through the therapeutic use of everyday activities. They help patients develop, recover, and improve the skills needed for daily living and working. Therapists help patients doing daily tasks like washing, dressing, cooking, and eating.

Staying Social and Active

When you join the Help at Home family of companies, you’ll be the center of it all. Free technology training workshops are also available from AARP TEK. Topics focus on the use of smartphones and tablets. You don't have to be an AARP member to take advantage of these workshops; they are open to everyone. It's important to note that demand for government-assisted housing far outstrips supply. Wait lists of two to five years or more are not uncommon, so try to plan ahead as far as possible. Caregiving isn’t always an easy profession, and some days or weeks may seem very long.

In fact, according to a study in the Journal of the American Geriatrics Society, around a quarter of Americans over age 65 use mobility aids, and a third of those use more than one type of device. The Qualified Disabled and Working Individuals Program covers the Part A premium only and is not open to those receiving Medicaid. You may qualify for QDWI if you are under 65, have a disability, are still working, and lost your free Part A when you went back to work.

Caregiving is Rewarding and Fulfilling

The Medicine Assistance Tool matches people with medication assistance programs they may be eligible for. The Qualified Medicare Beneficiary Program covers both Part A and B premiums along with deductibles, copayments, and coinsurance. To qualify, you must have limited resources and a monthly income below a certain level. You can begin receiving retirement benefits between ages 62 and 70.

Although the pay is often low, working with young athletes comes with many other benefits. Depending on the level you coach, you may need to be certified. Most coaches also need to know basic first aid and complete a background check. LPNs/LVNs work under the direction of a medical doctor helping to administer basic health care to patients. Half of all LPNs/LVNs work in nursing facilities, elderly homes, or in home healthcare and perform a variety of functions from maintaining patient records to assisting with bathing, dressing and eating.

The daily routine around hygiene is important to address as well when looking at having the optimum format for seniors. There are many modifications or accessories available to support senior hygiene needs. O Counsel patients and keeping them calm during examination and treatment. Training - Comprehensive training will be provided before you care for any client. CareLinx and several large health plans are partnering to provide thousands of members with in-home care benefits throughout 2022.

AgingInPlace.org keeps our resources free by working as an affiliate partner with some companies mentioned on our site. We may earn a commission when you click on certain product links. Help elderly patient with bathing and dressing and sitting in wheelchair . After you have made a list of the skills you have, cross off the skills you have but don't like. If you were a restaurant chef, you could prepare homemade meals and deliver them to families lacking the time to cook. The best kind of job for anyone, whether young or old, is one they enjoy, can do well and produces the desired income.

Home Health Aide/ PCA . Top Dollar paid

Another valuable trait for working with older adults is perseverance. Often, older adults have been engaging with various services throughout their lifespan, and can have complex interpersonal relationships, as well as complex relationships with those systems. They may feel discouraged, having seen situations not pan out in the past, and I think it is the job of the social worker to persevere, even when the client’s enthusiasm may wane. Rehabilitation counselors help people with emotional and physical disabilities live more independently.

Finding the money for changes and repairs can be challenging, but there are many different senior assistance programs that can help. Caregivers enter aging adults’ homes to provide the hands-on assistance they need to continue aging in place. While some seniors need a small amount of help, others require more tangible assistance. A caregiver’s primary role is to ensure a high quality of life for their client. Many jobs help older people stay active and engaged, which can have important health benefits.

Checking if the site connection is secure

Certified Nursing Assistants or CNAs provide basic care to patients and assist them in daily activities they may have trouble doing on their own such as bathing and dressing. Although a CNAs responsibilities will change from setting to setting, you will often find them working in nursing homes, patient homes, and care centers for the elderly helping patients complete daily tasks. From speech and physical therapy to case managers and caregivers, trained elder care professionals are a lifeline for seniors living in their homes. It’s nice to know that as a senior you can depend on someone to assist if it becomes difficult to take care of some basic daily life activities alone.

Why not help people by answering questions and solving problems? And the Occupational Outlook Handbook says that some positions in this field are part-time, which can make customer service a good option for seniors. People who drive their vehicles for work can choose to take deductions by mileage or by deducting car maintenance expenses. (According to the IRS, the mileage rate for 2022 is 58.5 cents per mile for business travel.) The IRS can be very picky about vehicle-related deductions, so keep good records. Many seniors want to continue working in their professional fields without having to commit to full-time jobs.

Home Insurance Property Insurance Plans & Policy Online

Table of Content

• Home Insurance
• Fire insurance coverage for rentals
• trkjs.setAttribute('src', '/cdn-cgi/images/trace/managed/js/transparent.gif?ray=77bf5156d8179180');
• Don't worry about losing your insurance coverage
• Does homeowners insurance cover fire?

If your insurance company wants proof of a document, make them a copy but keep the original. The more organized you are, the better prepared you'll be should your insurance company start playing the "he said, she said" game with you. But consumer advocates at United Policyholders don’t believe it’s that easy. They're worried that if Lara pushes too hard, insurers will flee the state.

Most homeowners insurance policies cover structural damage and loss of personal property, or contents, up to a value of about 50% of the covered value of the home. So if your home policy provides $200,000 in coverage, the personal property portion would provide up to $100,000 in coverage for personal belongings. The amount of home insurance coverage you need depends primarily on the estimated value of the personal belongings you own and the value of your home.

Home Insurance

Alexandra Twin has 15+ years of experience as an editor and writer, covering financial news for public and private companies.

Fires occur in every type of structure more often than you might suspect. It’s important to understand the real threat of fire damage to every type of property owner when looking into getting the proper insurance policy. Many policies will also provide coverage for temporary housing if your house is uninhabitable for a some time due to fire. These are important things to discuss with a knowledgeable agent, who can help make sure you have the right coverage for your needs. Additional replacement value riders can be purchased to protect the original value of any fire-damaged items. Fire coverage is included in many policies, but can also be purchased separately.

Fire insurance coverage for rentals

As fires become an increasingly prevalent threat, especially in places like California, insurance companies are trying to cut corners on fireinsurance claims in an attempt to save money. The increasing threat of fires makes it very important to familiarize yourself with the claims process and how to file fire insurance claims. An insurance claim, if filed properly, allows you to get reimbursed when you lose your property in a fire. He could make insurance companies consider mitigation when deciding if an area is too risky to sell in. He refused to do that,” said Carmen Balber with Consumer Watchdog.

But fire coverage is included as part of your standard homeowners insurance, business insurance, and car insurance already. Fire damage is included in many standard coverages, like homeowners insurance and business insurance. If you want to add additional fire coverage to your policy, you can work with your independent insurance agent to do so. Your homeowners insurance policy covers several types of fire loss up to the policy’s limits.

trkjs.setAttribute('src', '/cdn-cgi/images/trace/managed/js/transparent.gif?ray=77bf5156d8179180');

Therefore, replacement cost coverage would give you more protection, but it also means higher premiums. Although some homeowners insurance policies include fire coverage, they may not be extensive enough for some homeowners. Fire insurance is property insurance that provides additional coverage for loss or damage to a structure damaged or destroyed in a fire. AIG’s home insurance is one of the cheapest home insurance packages to secure the safety of your home. It is the ideal insurance package to get if you’re just renting an apartment or flat.

The limit is usually between 50% and 70% of the dwelling coverage. Scheduled personal property is additional coverage that extends protection beyond the typical coverage in a homeowners' insurance policy. Fire insurance covers a policyholder against fire loss or damage from a number of sources. These include fires brought about by electricity, such as faulty wiring and gas explosions, as well as those caused by lightning and natural disasters. A burst and overflowing water tank or pipes may also be covered by the policy. Some people fear to do this because of the extra cost--you pay the public adjuster between nine and fifteen percent of what the insurance company ultimately pays you.

If you own expensive items such as jewelry, artwork, or electronics, you may need to purchase a separate rider that lists your valuable items and provides the additional coverage for them. "Keep in mind that the ALE coverage in your homeowners policy has limits -- and some policies include a time limitation," Worters says. However, you can generally increase the amount of ALE coverage for an additional premium. In addition to weather events and damage from falling objects, coverage includes protection from fire and smoke damage. Since you're acting promptly to fulfill your responsibilities of the policy, your insurance company should also be prompt in acting on your fire insurance claim.

Fire insurance might not be available or might be more expensive in areas near canyons, far from fire departments or where wildfires are common. To help you rebuild your home, cash value coverage would reimburse you for the amount that your items were worth at the time of the fire. Since items become less valuable over time because of wear and tear, you would likely receive less than what you paid for them — and you might not have enough coverage to replace your items.

Don't worry about losing your insurance coverage

In some areas where fire risk is higher, your homeowners insurance policy might not cover fires, in which case you’d need to purchase a separate policy. This is often the case in areas where wildfires are common, near canyons where winds can contribute to fires or even in areas far from fire departments. This covers the house itself, including anything attached to it, like a garage or a deck. A standard home insurance policy uses the replacement cost of your home for the limits of this coverage. Many insurance policies also provide for living expenses in the event that your home is damaged or destroyed.

The insurers recovered $11 billion from a utility company whose equipment started some fires, but that still left insurances $3 billion in the red. Insurers collected $28 billion from homeowners and paid $11 billion in claims, putting them $17 billion in the black. If you live in a particularly high-risk area for fire, or live too far from a fire department, you might be denied fire coverage by home insurance companies. States that are especially prone to wildfires, like California, often fall into this category. An independent insurance agent can discuss your needs with you and help you determine if increasing your policy's limits or adding an extra fire insurance policy is the right choice.

Homeowners insurance in fire prone areas

Two neighbors whose homes burned in a fire are having two different experiences with their insurance companies. Here’s what you need to know to get them used to a car and what to include on a road trip checklist. Remember, this advance will be deducted from the total amount you receive from the insurance company, so don't hurt yourself by going overboard.

Wright says it’s important to do your research when shopping for insurance. Clodet Wright with finance Insurance says delays with claims are not uncommon in the industry. “Furious that these people that lost everything have been treated this way.

More Fire Damage Stats

"Replacement" policies entitle you to the amount it would take to replace the home and its contents, regardless of the value of what you lost. "Replacement" coverage doesn't require you to actually rebuild your home on the exact same lot. So, as long as it's the same value as your old lot, your insurance covers it. Of course, if you move to where property is more expensive, you'll end up paying the difference. Your insurance policy includes a clause called "loss of use," which means the insurance company reimburses you for your living expenses while you're displaced from your damaged home.

While some policies only cover the current depreciated value of your personal belongings, a more expensive replacement value policy will cover the full original value. In fact, fire is the original peril that certain types of insurance, including homeowners insurance, were designed to protect against. An independent insurance agent can help you review your existing coverage to make sure you have enough fire protection.

Fire Insurance: Definition, Elements, How It Works, and Example

Table of Content

• Does homeowners insurance cover fire?
• More Fire Damage Stats
• Who Sells Fire Insurance?
• Tips for Filing a Fire Insurance Claim
• Helpful Home Insurance Articles & Guides

The process may take a while to play out, and you may have to file multiple documents and answer questions from claims adjusters and investigators. If for any reason you believe you're not getting fairly compensated, you may want to contact a local real estate attorney for help. Choose one who is not only good and experienced in building, but also is experienced in how insurance companies handle issues. Before you agree to commence any work, be sure that you and the insurance company agree on the scope of the work to be done. It only offers basic coverage, so you’ll need additional insurance too. “A lot of people think that if they’ve been with an insurance company for a long time, they have an invested right to stay with that insurance company.

It also can pay for hotel and food costs if you can’t live in your home anymore. A standard homeowners insurance policy covers fire damage from a variety of causes. Homeowners insurance covers fires, protecting both the home itself and your personal property. In fact, the home insurance policy we know today started as a fire insurance policy, with fire being the main peril insured against. Your home insurance policy's fire coverage also extends to your personal belongings, up to a certain amount. To provide additional protection for high-value items, you should consider purchasing additional coverage for those specific items.

Does homeowners insurance cover fire?

When it comes to the best home insurance in Singapore this 2021, AXA Insurance is a popular choice. AXA’s SmartHome Essentials is highly recommended for those searching for reliable home insurance. This insurance has wide coverage assuring you that damage and loss during accidents and disasters in your home will be covered. From a busted pipe to fire, flood, and theft, AXA will cover them all. Home insurance does not provide coverage for fires deliberately set by the homeowner.

In addition to not covering fire damage in this case, arson is also against the law and considered a criminal offense. These homeowners can look at policies through the Fair Access to Insurance Requirements Plan, which offers a government product available in most states. While these policies are often cheaper, they typically offer less sufficient coverage than that provided by home insurance.

More Fire Damage Stats

But fire coverage is included as part of your standard homeowners insurance, business insurance, and car insurance already. Fire damage is included in many standard coverages, like homeowners insurance and business insurance. If you want to add additional fire coverage to your policy, you can work with your independent insurance agent to do so. Your homeowners insurance policy covers several types of fire loss up to the policy’s limits.

By 2018, this number had jumped four and a half times, to $43.58 million. Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies. Property insurance provides financial reimbursement to the owner or renter of a structure and its contents in the event of damage or theft. Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.

Who Sells Fire Insurance?

In some areas where fire risk is higher, your homeowners insurance policy might not cover fires, in which case you’d need to purchase a separate policy. This is often the case in areas where wildfires are common, near canyons where winds can contribute to fires or even in areas far from fire departments. This covers the house itself, including anything attached to it, like a garage or a deck. A standard home insurance policy uses the replacement cost of your home for the limits of this coverage. Many insurance policies also provide for living expenses in the event that your home is damaged or destroyed.

Whether the fire is electrical, caused by a lightning strike or a wildfire, your home insurance covers you. If the home is considered a total loss, the insurance company may actually reimburse the home's current market value. The insurance typically provides a market value compensation for lost possessions, with the total payoutcapped based on the home's overall value. If, for example, a policy insures a house for $350,000, the contents are usually covered for at least 50% to 70% of the policy value—or a range of $175,000 to $245,000.

Tips for Filing a Fire Insurance Claim

Some standard homeowners insurance policies include coverage for fire, but they may not be extensive enough for some homeowners. The insurance company’s liability is limited by the policy value and not by the extent of damage or loss sustained by the property owner. The term fire insurance refers to a form of property insurance that covers damage and losses caused by fire. Most policies come with some form of fire protection, but homeowners may be able to purchase additional coverage in case their property is lost or damaged because of fire. Purchasing additional fire coverage helps to cover the cost of replacement, repair, or reconstruction of property above the limit set by the property insurance policy.

If you were forced to evacuate due to the dangerous conditions, you may not have grabbed essentials like toiletries or clothes. Some of these things may have even been completely lost in the fire. Call your insurance company and ask that someone bring a check to wherever you're staying. That way, you can purchase necessities without having to wait for your ultimate insurance coverage.

Property Fire Stats

Wright says it’s important to do your research when shopping for insurance. Clodet Wright with finance Insurance says delays with claims are not uncommon in the industry. “Furious that these people that lost everything have been treated this way.

Luckily, you can rest assured knowing that typicalhomeowners insurancepolicies already cover most fire damage. However, if you live in certain fire-prone areas — for example, areas with lots of wildfires — you might need to purchase a separate policy. Fire is one of the main perils a homeowners insurance policy covers.

FWD Insurance

To insure a vacant home, you need to purchase special vacant home insurance. If your home has been vacant for 30 consecutive days or more, a standard home insurance policy does not cover any damage from fire. In addition to a fire deliberately set by the homeowner, a home insurance policy also does not cover damage from a fire set by a member of the homeowner's household. While a standard policy usually allows you to recover the value of most items lost in a fire, it usually does not account for more valuable items. Their homeowners insurance company recently dropped them, and pointed to the hills that surround their condos, and said the fire risk is too high. Marino and Lokes said there haven’t been any nearby fires in years.

Make sure to document all your damaged property after a fire, with photographs or video. Have your home inspected so a professional can review the extent of the damage and provide an estimate for the cost of repair. If you make any repairs yourself, be sure to keep all receipts and other important documents to hand over to your insurance company for potential reimbursement. Yes, your personal property is covered against fire damage and destruction under standard renters insurance policies.

Helpful Home Insurance Articles & Guides

For example, if you need a pair of slacks and a dress shirt for work, don't assume you can head to the most expensive clothing store in town. But the consumer advocates at Consumer Watchdog said Lara needs to go a step further and require insurance companies to consider mitigation when selling insurance too. They say that will make it harder for insurers to abandon homeowners. Other homeowners have told the I-Team they’ve been forced to buy insurance through the state’s FAIR Plan, another last resort option that’s expensive and limited in its coverage.

Get the Best Fire Insurance

Table of Content

• trkjs.setAttribute('src', '/cdn-cgi/images/trace/managed/js/transparent.gif?ray=77bf5156d8179180');
• Homeowners Insurance and Fire Coverage: What's Covered?
• What Kinds of Fires Are Covered under Homeowners Insurance?
• Review Home Fire Insurance as Fire Season Is Upon Us

The insurance covers up to $100,000 of all the sustained damage within your property. AIG will also pay for your temporary housing if your living space is too devastated until you have moved into a new permanent home. Your home insurance policy also provides protection for any other structures on your property. This includes fire protection for any detached buildings, such as a garage or shed, or structures such as a fence or landscaping. Many people decide to stay with family members or friends instead of at a hotel.

If your insurance company is taking too long to get back to you, write to them and let them know that you're sending a copy of the letter to the state's Department of Insurance. This should prompt the company to act, as they will not want to make a mistake or drag their feet if they know they are being monitored. The I-Team sorted through the most recent fire data with the California Department of Insurance. During the big fire years of 2017 and 2018, insurance companies collected more than $15 billion from homeowners and paid $29 billion in claims.

trkjs.setAttribute('src', '/cdn-cgi/images/trace/managed/js/transparent.gif?ray=77bf5156d8179180');

Signup takes less than 45 seconds and you’ll be present with quotes from up to 40 top insurers. Insurance companies will try and slide in closure of a claim by adding a note to your check. For example, the check may say something like "acceptance of this payment will close your claim." You don't have to accept this. Cross out the language, sign or initial next to it, and send them a letter thanking them for the payment, but asserting that you don't consider the claim closed. Their homeowners association scrambled to find a new insurer, but couldn’t.

Additional Living Expenses covers the costs of living away from home if you cannot live there while fire damage is being repaired. It covers hotel bills, restaurant meals and other costs incurred, over and above your usual living expenses, while your home is being rebuilt. There are two main types of reimbursement that may apply to fire insurance claims with homeowners insurance. This includes anything not attached to the house, like a shed or fence.

Homeowners Insurance and Fire Coverage: What's Covered?

But fire coverage is included as part of your standard homeowners insurance, business insurance, and car insurance already. Fire damage is included in many standard coverages, like homeowners insurance and business insurance. If you want to add additional fire coverage to your policy, you can work with your independent insurance agent to do so. Your homeowners insurance policy covers several types of fire loss up to the policy’s limits.

Losing your home and personal belongings to a fire is already a devastating experience. The last thing you want is your homeowners' insurancecompany giving you a hard time regarding your claim. Here are some tips to follow when dealing with your homeowners' insurance company regarding fire insurance claims. Yes, standard home insurance policies include coverage for many kinds of fires, including electrical fires, grease fires, chimney fires, forest fires, and more. On the other hand, replacement cost coverage would reimburse you for the cost of new items of similar quality, even if your original items became less valuable over time.

What Kinds of Fires Are Covered under Homeowners Insurance?

So they were forced to buy insurance from the surplus market, where the companies are regulated by the state, but can charge whatever they want. Marino and Lokes said their premium increased 800%, hitting their finances hard. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Pays the true cost of replacing your home or possessions up to the limit of your policy. Charles is a nationally recognized capital markets specialist and educator with over 30 years of experience developing in-depth training programs for burgeoning financial professionals. Charles has taught at a number of institutions including Goldman Sachs, Morgan Stanley, Societe Generale, and many more.

Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. The estimator or contractor you hire is paid by you and therefore will look out for your best interests. Don't accept any amount from the insurance company unless you're certain it's what a buyer would have paid for your home and its contents just before the fire. Be practical with what you buy because the insurance company will refuse to reimburse you for frivolous things.

Those limits are selected when you purchase your policy and should be reviewed annually. Here’s a look at the coverages that will apply to an insurance claim for fire damage. Your homeowners policy also typically pays for debris cleanup after a fire, as well as water damage that occurred from putting the fire out.

Whether the fire is electrical, caused by a lightning strike or a wildfire, your home insurance covers you. If the home is considered a total loss, the insurance company may actually reimburse the home's current market value. The insurance typically provides a market value compensation for lost possessions, with the total payoutcapped based on the home's overall value. If, for example, a policy insures a house for $350,000, the contents are usually covered for at least 50% to 70% of the policy value—or a range of $175,000 to $245,000.

Review Home Fire Insurance as Fire Season Is Upon Us

You should take an inventory of what your house contains to make sure you have adequate coverage. You might look into a Fair Access to Insurance Requirements plan, which can provide fire insurance coverage even if you don’t qualify for private insurance. However, keep in mind that FAIR plans sometimes cost more than other insurance policies with less extensive coverage provided, according to theInsurance Information Institute.

Insurance companies spread out their risk, so while your insurance company may thinks it has too much risk in your neighborhood, another one may not, and may be willing to insure you. Hopefully, you will never need to file a claim for a devastating fire in your home. However, you may need to file a fire damage claim at some point, and you probably want the best possible return on your insurance investment.

Also called loss of use, this will pay for you to live elsewhere if a fire causes so much damage that you can’t live at home. Wildfires, accidental fires and most other causes of fire are covered by homeowners insurance. A consequential loss is an insurance term for an income hit caused by a business's inability to use damaged property or equipment as usual. The policy pays the policyholder back on either a replacement-cost basis or an actual cash value basis for damages. “They should definitely ask questions about claims response time or claims policies and procedures because that is in insurance what you need when you purchase insurance,” said Wright. Determine how much it would take to rebuild your house following a fire.

As fires become an increasingly prevalent threat, especially in places like California, insurance companies are trying to cut corners on fireinsurance claims in an attempt to save money. The increasing threat of fires makes it very important to familiarize yourself with the claims process and how to file fire insurance claims. An insurance claim, if filed properly, allows you to get reimbursed when you lose your property in a fire. He could make insurance companies consider mitigation when deciding if an area is too risky to sell in. He refused to do that,” said Carmen Balber with Consumer Watchdog.

If your insurance company wants proof of a document, make them a copy but keep the original. The more organized you are, the better prepared you'll be should your insurance company start playing the "he said, she said" game with you. But consumer advocates at United Policyholders don’t believe it’s that easy. They're worried that if Lara pushes too hard, insurers will flee the state.