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Tell your legislators to vote no on insurance bailouts in sc!

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Share Your Insurance Story

Real stories help people understand the impact of insurance decisions on real lives. If you have been affected, your voice can help others and inform the fight for fairness.

The mission

We believe South Carolina deserves better than rising premiums, denied claims, and empty promises of “reform” that serve corporate profits instead of people. True reform starts with restoring trust, protecting citizens’ rights, and demanding accountability from those who shape our laws and our livelihoods.

We’re not politicians or lobbyists — we’re the people who pay the premiums, file the claims, and expect fairness in return. Together, we’re working to shine a light on how the system really works and to make sure future reforms serve the people they’re meant to protect.

This isn’t just about saying “enough.” It’s about building something better — a fair, transparent, and accountable insurance system that puts South Carolina families and small businesses first.

“A Hurricane Took My Roof — and My Faith in the System.”

Alex Bolduin

Columbia, SC

Your homeowners claim ended with $0. Now what?

In 2024, 42.5% of homeowners insurance claims closed in South Carolina ended with no payment to the policyholder.

A “no” may not be the final answer. Review the denial, gather your evidence, appeal, file a complaint with the Department of Insurance, and consider legal counsel if you believe your claim was wrongly denied.

You paid for the policy. Know your rights when it’s time to use it.

Your homeowners claim ended with $0. Now what? In 2024, 42.5% of homeowners insurance claims closed in South Carolina ended with no payment to the policyholder. A “no” may not be the final answer. Review the denial, gather your evidence, appeal, file a complaint with the Department of Insurance, and consider legal counsel if you believe your claim was wrongly denied. You paid for the policy. Know your rights when it’s time to use it.

Sep 11

2

0

State Farm calls itself a “Good Neighbor.”

But they deny claims to make money 💰💰💰???

Internal emails revealed in an Oklahoma lawsuit reportedly show something very different: after rolling out a roof-claims “playbook,” company leaders celebrated a $1.4 BILLION drop in claim payouts in just one year.

Have you had a valid roofing claim denied by State Farm? 

These are “neighbors” South Carolinians don’t need.

State Farm calls itself a “Good Neighbor.” But they deny claims to make money 💰💰💰??? Internal emails revealed in an Oklahoma lawsuit reportedly show something very different: after rolling out a roof-claims “playbook,” company leaders celebrated a $1.4 BILLION drop in claim payouts in just one year. Have you had a valid roofing claim denied by State Farm? These are “neighbors” South Carolinians don’t need.

Aug 29

15

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You paid the premium. You followed the law. Then you filed a claim, and your insurance company said NO.
A new Wall Street Journal investigation found insurers didn’t pay 45% of auto liability and medical claims they resolved last year. And when more consumers are forced to fight for the coverage they already paid for, insurers point the finger at “litigation.”
Maybe we should be asking a different question:
Is litigation rising because claim denials are rising?
📖 Read the WSJ investigation.
🛡️ Check your policy and application carefully.
⚖️ Protect your right to hold powerful corporations accountable.

You paid the premium. You followed the law. Then you filed a claim, and your insurance company said NO. A new Wall Street Journal investigation found insurers didn’t pay 45% of auto liability and medical claims they resolved last year. And when more consumers are forced to fight for the coverage they already paid for, insurers point the finger at “litigation.” Maybe we should be asking a different question: Is litigation rising because claim denials are rising? 📖 Read the WSJ investigation. 🛡️ Check your policy and application carefully. ⚖️ Protect your right to hold powerful corporations accountable.

Aug 18

7

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When insurance companies delay your claim, they keep earning money on the dollars they owe you. Meanwhile, South Carolinians are left juggling repair bills, rental cars, medical costs, and missed work.
Delay pays insurers. South Carolina families pay the price.

Read the full article at the link in our bio.

When insurance companies delay your claim, they keep earning money on the dollars they owe you. Meanwhile, South Carolinians are left juggling repair bills, rental cars, medical costs, and missed work. Delay pays insurers. South Carolina families pay the price. Read the full article at the link in our bio.

Aug 11

16

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Ready to take action?

Lawmakers are deciding the future of insurance reform. Let them know you oppose S.244 and stand for fairness and accountability.

REform is a proud member of the following organizations

Consumer Federation of America
https://consumerfed.org/

American Policyholders Association
https://apassociation.org/