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Title: Financial Services/Insurance/Claims/Associations - USA - - Policyholders of America (POA) Advocacy organization promoting a fair claims process. POA provides information for policyholders suspecting bad faith conduct by their insurance company.
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Welcome to POA .grBorder{ color:black; border:4px ridge #00FF00; text-align:left; background-color:white; width:100%; }   FEATURES   POLICYHOLDER ADVOCATE (newsletter)   POA Position Statement        Just for Laughs     Update Your Email Address     Full Member Sign In       Free Members Sign In       Not A Member: Join POA!     Join As A Free Member   Things I Should Know Before I Test   Cheap Mold Testing Options   Homeowners, Medical Issues   Homebuyers, Renters,   Tax Reductions      Considering Suing      Insurance Company?       Cool Books     Search Our Documents       POA Approved Contractors        Earn Money as a Hurricane   Chaser       Weekly Editorial      Message To Insurers    Insurers Who Export   American Jobs      Does YOUR State Punish Bad Faith?   Download CDC's New Mold Report    Download CDC's Health Alert on a dangerous toxin produced by mold     Download Claims Form (Property).      Download Home Inventory Form           Click Here To Contact POA By Email      NEWS stories that affect you! Insurance industry news  .morehl { font-family: Verdana, geneva, arial, sans-serif !important; font-size: 9px !important; color: #000000 !important; font-weight: bold !important; font-style: normal !important; text-decoration: none !important; } A:link.morehl, A:vlink.morehl, A:alink.morehl { color: #000000 !important; } .moresrc { font-family: Verdana, geneva, arial, sans-serif !important; font-size: 9px !important; color: #33ff00 !important; font-weight: normal !important; font-style: italic !important; text-decoration: none !important; } A:link.moresrc, A:vlink.moresrc, A:alink.moresrc { color: #33ff00 !important; } .moreti { font-family: Verdana, geneva, arial, sans-serif; font-size: 9px; color: #33ff00; font-weight: normal; font-style: italic; text-decoration: none; } .morehlt { font-family: Verdana, geneva, arial, sans-serif; font-size: 9px; color: #000000 !important; font-weight: bold; font-style: normal; text-decoration: none; } Insurance industry news       Disclaimer POA Tax Exempt Status    POA MEDICAL RESEARCH GRANT APPLICATION   Healthcare Issues to Watch    POA Medical Research Charitable Status   var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www."); document.write(unescape("%3Cscript src="http://www.policyholdersofamerica.org//" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E")); var pageTracker = _gat._getTracker("UA-4998152-1"); pageTracker._initData(); pageTracker._trackPageview();      HomePresident's MessageWhat Is Bad FaithPolicyholder Duties When A Claim Goes BadFrequently Asked QuestionsMedicalLegal LibraryLegislative Corner var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www."); document.write(unescape("%3Cscript src="http://www.policyholdersofamerica.org//" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E")); var pageTracker = _gat._getTracker("UA-4998152-1"); pageTracker._initData(); pageTracker._trackPageview(); Relief from Stress, Environmental Toxins and Aging WILDFIRE VICTIMS: CLICK HERE FOR IMPORTANT INFO STATE FARM POLICYHOLDERS State Farm policies now contain language that renders their policies completely worthless. It says that if multiple things cause damage, and at least one of those things is not covered (like rain, or construction defect(s), or lack of maintenance), they don’t have to pay ANYTHING. It is in State Farm’s interest to allege that a portion of the damage was caused by something not covered by the policy so they can avoid payment. The language is known as an Anti-concurrent clause. Click Here to Read More About It Welcome to Policyholders of America (“POA”). We are a nonprofit association serving policyholders victimized by insurance companies or just plain sick and tired of an industry that has spun out-of-control and know that change can only happen if we, the consumer of a mandated product, ban together. POA takes an active role in helping policyholders receive full payment for claims made and we do so at no charge. We are not advocates of litigation and are not associated with trial lawyers, public adjusters or any other group that feeds off of the misfortunes of policyholders. Our only loyalty is to the policyholder. POA is nonpartisan however we do take a stand on political issues, candidates and policies relating to insurance for one simple reason: You cannot separate insurance from politics. For far too long, the insurance industry has stacked the deck against consumers by fueling political campaign coffers with contributions that come from insurance executives and their PACs. In return, legislators, elected and appointed judges have bent over backwards for the insurance industry by stripping away punitive damages for bad faith and insurance company-committed fraud. This has done nothing but make bad faith in the claims handling process a profit center. POA weighed in on the 2006 election and 94% of the more than 300 candidates endorsed by POA won. With a new Congress, the policyholder now has a real chance to implement reform and put an end to the serial bad faith, price gouging, lowballing and wrongful denials practiced by insurers. POA has two categories of membership: full and free. Full membership is appropriate for those who require access to legal and scientific documents beyond what is published in our free access area. The cost of full membership is $100 per year so that we can offset some of the cost of obtaining these documents. Our free category of membership is appropriate for nearly anyone, even those embroiled in a dispute with their insurer. Free members are given access to most of our documents. Whether you are a free or full member, we will help guide you through the claims process. POA does offer a free category of membership which many members find is all they need to get their claim paid. Only members (free and full members) will get help from POA. We will help you with everything from documenting your claim to letter writing and negotiating with your insurer to maximize the settlement of your legitimate claim. POA will continue to assist policyholders receive prompt and full payment when a claim is filed but we will also continue to assist policyholders fight for coverage when an insurer wrongly denies a claim.   We do all of this by helping policyholders document the cause of the loss, communicate (in writing) to the insurer in language that gets desired results and we help poke holes in the insurers’ position about the cause of the peril. (Insurers often claim a loss was caused by something NOT covered in the policy so they can avoid any and all liability for the loss.) One of POA’s most exciting missions for 2007-2008 is an outgrowth of the 2006 election. The tide has turned and we are in a far better position to get the following POA measures passed for the policyholder: • Bad faith and breach of contract should not be a profit center: We are helping to craft legislation that penalizes bad faith and insurer-committed fraud by encouraging criminal charges against insurance executives and/or stiffer financial penalties against those companies found to have committed these acts; Anti-Cherry picking: Insurers have successfully cherry picked consumers by pulling out of one area (homeowners) while continue to sell other product lines (auto). This has caused a shortage of insurance in key regions or states and has caused premiums to skyrocket. POA is helping craft legislation that puts a stop to this practice and implementation of this legislation will stabilize availability and lower premiums.   CLUE reporting: POA has been diligently working on language that would limit what an insurer can report on the CLUE database (CLUE is a database that tracks claims and/or potential claims made by the policyholder and his/her property. It is used by the industry to determine coverage offered and premiums. What is currently reported on CLUE can and does have a negative impact on one’s property value.   The Appraisal Process: A little known clause exists in nearly ALL homeowners policies. It allows both the insurer AND the policyholder to demand appraisal should a dispute arise over the amount due under the policy. POA is working on legislative language that broadens the scope of appraisal and levels the playing field. The appraisal process, if done properly, is faster and less expensive than litigation but in its current form, often favors the insurer.   Politics UNusual: POA plans to weigh into the 2008 election in full force with hard-hitting issue ads that educate the public about various candidates and their track records on insurance and related areas such as climate change. We will continue to endorse candidates we believe are catalysts for insurance reform. Bystanders Ignore Hit-and-Run Victim CLICK HERE to watch Bystanders Ignore Hit-and-Run Victim Consequences of Global Warming CLICK HERE to watch Global Warming video. WHY YOU SHOULD TEST YOUR OWN HOME BEFORE PURCHASING! try { // Retrieves the URL for the Page to Load. var doc = document.URL; if(doc.indexOf('v=1') >= 0) // If v=1 is part of the url, then play the video automatically. { DayPortHubbardFlashPlayer.settings.autoPlayArticle = true; } // Embed the Flash player [Example syntax: DayPortHubbardFlashPlayer.embedPlayer("ARTICLEID", CATEGORYID, LIMIT);] DayPortHubbardFlashPlayer.embedPlayer("176188", null, 1); } catch (errorObj) { //error catching document.write('Sorry, video temporarily unavailable.'); } POA SPECIAL MEMBER SERVICES _________________________________ POA is proud to offer many products and services geared to our membership and at dramatically reduced prices. Water leak detection: POA researched nearly all of the leak detection systems available on the market and rated each on several factors: effectiveness, ease of installation, and price. One system stood out and we're offering it to you at a heavily discounted price. For most homeowners, the cost of fully protecting your home is less than $99. Other, equally effective systems, can cost thousands. To read about the system CLICK HERE. To order, CLICK HERE. Sample analysis: POA joined forces with two of the nation’s leading labs to offer many types of mold testing. If you like saving money or want more info, click here Medical testing: Think your symptoms may be caused by mold exposure, here’s a way to get blood testing for less, click here   _____________________________________________________________ STATE OF INSURANCE. Rep. Gene Taylor's Congressional Report (Feb. 28, 2007) U.S. Representative Taylor unleashes on the insurance industry to a Congressional Subcommittee. His allegations mirror what POA has been saying for years about insurance companies dumping onto Uncle Sam (all U.S. taxpayers via FEMA) their obligations. For more information CLICK HERE.   DEPUTY INSURANCE COMMISSIONER (Mississippi) DEPOSED IN KATRINA LAWSUIT; STATE FARM PAYS THE LEGAL BILL AND INSTRUCTS DEPUTY COMMISSIONER NOT TO ANSWER PERTAINENT QUESTIONS. To read the deposition, click here   Biotoxin Illness- Diagnosis and Treatment with 21st Century Medicine Ritchie Shoemaker, MD, and his research team share their discoveries and research through informative articles, presentations, video’s and a blog.” For more information on Mold and other biotoxin-mediated illnesses along with an on-line screening test go to www.biotoxin.info. CLICK HERE FOR FULL VIDEO ALLSTATE CLAIMS MANUAL AVAILABLE HERE. See how Allstate dodges their responsibilities in this never before released CLAIMS MANUAL. Think you're in "Good Hands"? Think again. View: Allstate Claims Manual CLICK HERE for important Allstate discovery docs.     State Farm: Good Neighbor? Hurricane claims. Part 1 - 3. Do your good neighbors forge your signature, lie under oath, destroy documents and use "mad dog" tactics? State Farm does. Tornado claims (and others) State Farm makes a habit of hiring engineers who will lie so that State Farm can deny coverage, be it a tornado or storm. A jury tattoos State Farm for their antics.    the curse of Black Mold Black Mold   Watch Video State Farm Busted for Massive Fraud Against Policyholders. State Farm Insurance supervisors systematically demanded that Hurricane Katrina damage reports be buried or replaced or changed so that the company would not have to pay policyholders' claims in Mississippi, two State Farm insiders tell ABC News. Kerri and Cori Rigsby, independent adjusters who had worked for State Farm exclusively for eight years, say they have turned over thousands of internal company documents and their own detailed statement to the FBI and Mississippi state investigators. In an exclusive interview with ABC news, to be broadcast on 20/20 -- Watch 20/20 tonight at 10 --and World News, the Rigsby sisters say they saw "widespread" fraud at the State Farm offices in Biloxi and Gulfport, Miss. "Katrina was devastating, but so was State Farm," says Cori Rigsby. At one point, they say State Farm brought in a special shredding truck they believe was used to destroy key documents. State Farm says shredding is standard to protect policyholders' privacy. The sisters say they saw supervisors go to great lengths to pressure outside engineers to prepare reports concluding that damage was caused by water, not covered under State Farm policies, rather than by wind. They say reports that concluded that damage was caused by wind, for which State Farm would have to pay, were hidden in a special file and new reports were ordered. Cori Rigsby says she recalls a senior coordinator ordering that an engineering company be told to alter the findings in its report so that State Farm would not have to pay. "Tell them if they don't change their report, we're not paying their invoice," she remembers the supervisor saying. A lawyer for State Farm, Wayne Drinkwater, told ABC News he was unfamiliar with the Rigsby sisters but denied State Farm cheated policyholders or pressured outside engineers to reach particular conclusions in their damage reports. "We, of course, have not been cheating," Drinkwater said. The allegations, if proven, would support the suspicions of thousands of homeowners along the Mississippi Gulf Coast who have been unable to collect enough insurance money to rebuild their homes. Many have filed lawsuits against State Farm and other insurance companies alleging the companies of wrongly denying or low-balling their claims. The Rigsby sisters' allegations are now a key part of suits filed against State Farm by well-known Mississippi lawyer Dickie Scruggs, famous for taking on the tobacco companies.  Video: See Photos of Katrina, One Year Later - the National Disgrace That Is Still Going On.   Defense ploys in litigation per the Wall Street Journal Court of Opinion Amid Suits Over Mold, Experts Wear Two Hats Authors of Science Paper Often Cited by Defense Also Help in Litigation By DAVID ARMSTRONG January 9, 2007; Page A1 Wall Street Journal Soon after moving into a New York City apartment, Colin and Pamela Fraser say, they began to suffer headaches, rashes, respiratory infections and fatigue. They attributed it to mold. But their lawsuit against the cooperative that owns the building hit a roadblock when the court wouldn't let their medical expert testify that mold caused their problems. This is "unsupported by the scientific literature," the state trial judge said. She relied in part on a position paper from the American College of Occupational and Environmental Medicine, or ACOEM. Citing a substance some molds produce called mycotoxins, the paper said "scientific evidence does not support the proposition that human health has been adversely affected by inhaled mycotoxins in the home, school, or office environment." The paper has become a key defense tool wielded by builders, landlords and insurers in litigation. It has also been used to assuage fears of parents following discovery of mold in schools. One point that rarely emerges in these cases: The paper was written by people who regularly are paid experts for the defense side in mold litigation. The ACOEM doesn't disclose this, nor did its paper. The professional society's president, Tee Guidotti, says no disclosure is needed because the paper represents the consensus of its membership and is a statement from the society, not the individual authors. The dual roles show how conflicts of interest can color debate on emerging health issues and influence litigation related to it. Mold has been a contentious matter since a Texas jury in 2001 awarded $32.1 million to a family whose home was mold-infested. That award, later reduced, and a couple of mold suits filed by famous people like Ed McMahon and Erin Brockovich helped trigger a surge in mold litigation. Insurers and builders worried it would become a liability disaster for them on the scale of asbestos. The number of suits hasn't been as big as anticipated. One reason appears to be the insurers' success in getting many states to exclude mold coverage from homeowner's-insurance policies. But also helping turn the tide, lawyers and doctors say, is the ACOEM report. Building groups and the U.S. Chamber of Commerce have cited it to rebut the notion that mold in the home can be toxic. James Craner, a Nevada doctor who has testified for scores of people who claimed ill effects from mold, says the paper "has been used in every single mold case. The lawyer asks, 'Isn't it true the American College of Occupational and Environmental Medicine concluded that there is no scientific evidence that mold causes any serious health effects?'" The result, Dr. Craner maintains, is that "a lot people with legitimate environmental health problems are losing their homes and their jobs because of legal decisions based on this so-called 'evidence-based' statement." Dr. Craner says a majority of his work is on the plaintiff side and he is paid when he testifies, but he says he currently is an expert for the defense in a case where he concluded the plaintiffs' health issues weren't related to mold. Two other medical societies have also published statements on mold written, in part, by legal-defense experts. The societies didn't disclose this when they released the papers, although one later published a correction saying two authors served as expert witnesses in mold litigation. READ MORE     • Read the full text of Dr. Borak's September 2002 email to the leaders of the American College of Occupational and Environmental Medicine about his struggles in drafting their position paper on mold.   • Read the official position statements of the American College of Occupational and Environmental Medicine and of the American Academy of Allergy, Asthma and Immunology, as posted on their Web sites. Mold reproduces through tiny spores. These can float into homes through windows and vent systems or be carried in on clothes or shoes. Indoors, mold grows when moisture is present. There's debate about how much this matters. Plaintiffs attribute ills ranging from asthma to cognitive problems to inhalation of mold. The Institute of Medicine, a largely federally funded nonprofit, reviewed the research in 2004 and said "studies have demonstrated adverse effects -- including immunotoxic, neurologic, respiratory and dermal responses -- after exposure to specific toxins, bacteria, molds or their products." But it added that the dose required to cause adverse health effects hasn't been determined. The U.S. Centers for Disease Control and Prevention, for its part, says on its Web site that mold can cause wheezing and eye or skin irritation, but a link to more serious conditions "has not been proven. 'Highly Unlikely' The ACOEM paper goes further. It says not only is there no evidence indoor mold causes serious health effects, but even if mold produced toxic substances, it's "highly unlikely at best" that anyone could inhale enough to cause a problem. The paper reaches this conclusion by extrapolating from animal studies in which rodents' throats were injected with molds. The paper's authors say their conclusions are validated by the Institute of Medicine's paper. But the author of the Institute paper's mold toxicity chapter, Harriett Ammann, disagrees, and criticizes the ACOEM paper's methodology: "They took hypothetical exposure and hypothetical toxicity and jumped to the conclusion there is nothing there." Dr. Ammann, a recently retired toxicologist for Washington state's health department, recently helped the plaintiff side in a mold case. She says this was the only time she has done so for pay. In the Fraser lawsuit in New York, after the judge barred testimony that mold caused health problems, Dr. Ammann, on her own and without pay, provided an affidavit filed with the appellate court saying the judge misinterpreted the research. The ACOEM, a society of more than 5,000 specialists who investigate indoor health hazards and treat patients with related illnesses, first moved to develop a position paper on mold in early 2002. Dean Grove, then the medical society's president, asked the head of its council on scientific affairs, Yale medical professor Jonathan Borak, to set the process in motion. He turned to a retired deputy director of the National Institute for Occupational Safety and Health -- part of the CDC -- to spearhead the project. Dr. Borak says he wanted someone with "no established background record of litigation related to mold." For the Defense The person he chose, Bryan Hardin, says he hadn't worked on any mold lawsuit at that point, though he was a consultant on other matters for GlobalTox Inc., a firm that regularly worked for the defense in mold cases. And Dr. Hardin says he consulted for the defense in a mold case while he was helping write the ACOEM paper. In a Feb. 27, 2002, email, Dr. Borak told Dr. Hardin: "That position paper would be prepared by you and your GlobalTox colleagues." Dr. Borak says he believes he didn't know at the time that GlobalTox did mold defense work. A GlobalTox colleague who aided Dr. Hardin was Bruce Kelman, now president of the firm, which recently changed its name to Veritox Inc. Drs. Kelman and Hardin, now principals at the firm and entitled to a share of its profits, were two of the ACOEM paper's three authors. They are paid $375 to $500 an hour for work on mold cases, court records say. EXPERT WITNESSES     • The Situation: Mold defendants rely on medical-society position papers that reject a link to serious ills, but papers were written by scientists who often work for defense side in mold cases.   • The Debate: Whether courts get accurate or skewed view of possible health effects of indoor mold.   • What's at Stake: Outcome of widespread litigation over mold.     The paper's third author was Andrew Saxon, then chief of clinical immunology and allergy at the medical school of the University of California, Los Angeles. He, too, has served as a defense expert in numerous mold suits. Dr. Saxon says he is paid $510 an hour for his help. If called to testify in court, his rate rises to $720 an hour, according to a deposition he gave. Until he retired from UCLA in September, money he earned as a legal-defense expert was paid to the university, and he says UCLA then gave him a little less than half of it. Dr. Saxon estimates he generates $250,000 to $500,000 a year from expert defense work, which includes non-mold cases. The ACOEM knew about mold defense work by the authors of its paper. Dr. Hardin informed the society in a Sept. 23, 2002, document under his letterhead. Labeled "confidential" and "share only with the ACOEM board of directors," it told of his work as a defense expert on one mold case. The letter said the other two authors, Drs. Saxon and Kelman, "have been retained by both the defense and plaintiff bar in litigation relating to indoor mold." Both say they work mostly for the defense in mold cases. Internal ACOEM documents indicate that as the paper was being written in August 2002, there was concern within the society that the paper was too friendly to defense interests. Its authors were asked to modify the first draft's tone "because of the concern about possible misinterpretation of 'buzz words' and phrases such as 'belief system,' 'adherents may claim,' 'supposed hypersensitivity,' and 'alleged disorder,'" according to a June 2002 email to Dr. Hardin from the society's communications director. (The email was obtained by a plaintiff's attorney in a mold case, Karen Kahn.) Dr. Borak, the head of the society's council on scientific affairs, suggested sending a draft for review to one particular mold authority, Michael Hodgson, director of the occupational safety and health program at the U.S. Veterans Health Administration. Dr. Hardin objected. He said it would be "inappropriate to add ad hoc reviewers who are highly visible advocates for a point of view the draft position paper analyzes and finds lacking." The draft ultimately wasn't sent. 'A Defense Argument' In September 2002, Dr. Borak emailed colleagues that "I am having quite a challenge in finding an acceptable path for the proposed position paper on mold." He said several reviewers "find the current version, much revised, to still be a defense argument." The society released a paper two months later, and its authors, as well as ACOEM officials, say it accurately reflects the science on indoor mold exposure. The authors' "views, if prejudicial, were removed," Dr. Borak says. "It went through a dramatic change of top-heavy peer reviews." He says objections come mainly from "activist litigants" who find it "annoying." Drs. Hardin and Kelman say the paper has been controversial because it challenged "a belief system" that mold can be toxic indoors. "A belief system is built up and there is anger when the science doesn't support that belief system," Dr. Kelman says. The Manhattan Institute, a conservative think tank, paid Veritox $40,000 to prepare a lay version of the paper. That version said "the notion that 'toxic mold' is an insidious, secret 'killer,' as so many media reports and trial lawyers would claim, is 'junk science' unsupported by actual scientific study." Its authors were the three writers of the longer paper plus a fourth, who also is a principal at Veritox. Lawyers defending mold suits also cite a position paper from the American Academy of Allergy, Asthma and Immunology. This paper says it concurs with the ACOEM that it is highly unlikely enough mycotoxins could be inhaled to lead to toxic health effects. Among the academy paper's five authors is Dr. Saxon. Another, Abba Terr, a San Francisco immunologist, has worked as a defense expert in mold cases. The academy published the paper in its Journal of Allergy and Clinical Immunology last February, not citing the mold-defense work of either man. The publication later ran a correction disclosing their litigation work. The academy's president says officials were aware Dr. Saxon was an expert witness. "We should have published their [disclosure] statements with the paper," says the official, Thomas Platts-Mills. He says the lapse resulted from a variety of factors, including confusion about whose responsibility the disclosure was. Unhappy Author A third author of the academy's paper, Jay Portnoy, chief of allergy, asthma and immunology at the Children's Mercy Hospital in Kansas City, Mo., says he "felt that there was an agenda" -- the effort "seemed very biased toward denying the possibility of there being harmful effects from mold on human health." He says he considered removing his name from the paper, but it was published before he could decide. Dr. Portnoy says a section he contributed was rewritten by Dr. Saxon to be "a lot more negative." He says the paper wrongly says mold isn't proven to cause allergic rhinitis, with symptoms like wheezing, sore throat and sneezing. Dr. Saxon denies the authors had a bias but says they applied a high standard for proving mold causes a particular effect. He says he didn't skew the content of Dr. Portnoy's section but rewrote it because it was "too diffuse." Dr. Terr in San Francisco didn't return a call seeking comment. In New York, the Frasers are appealing the refusal of the trial judge, state Supreme Court Justice Shirley Werner Kornreich, to let their expert testify that indoor mold caused their health complaints. The Frasers had moved into the East Side Manhattan apartment in 1996. Their 2002 suit said they repeatedly complained to the co-op's board of dampness and leaks as their health deteriorated. Their appeal attacks the credibility of mold position papers drafted by scientists who work for defendants. "What you have here is defense experts authoring papers under an official guise," says their attorney, Elizabeth Eilender. Justice Kornreich declined to comment. Write to David Armstrong at david.armstrong@wsj.com   Homeowners anticipate TRCC probe outcome Video: BYRON HARRIS TEXAS HOMEBUYERS GAGGED BY NEW HOMEBUILDER WELFARE LAW. If your house sits on bombs, in Texas, grin and bear it. Video: Byron Harris reports   Read: Byron Harris report     ©2001-2007 Policyholders of America, Inc. All Rights Reserved. var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www."); document.write(unescape("%3Cscript src="http://www.policyholdersofamerica.org//" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E")); var pageTracker = _gat._getTracker("UA-4998152-1"); pageTracker._initData(); pageTracker._trackPageview();
 

Advocacy

organization

promoting

a

fair

claims

process.

POA

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for

policyholders

suspecting

bad

faith

conduct

by

their

insurance

company.

http://www.policyholdersofamerica.org/

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