“United Policyholders (UP) is a non-profit 501(c) (3) organization whose mission is to be a trustworthy and useful information resource and an effective voice for consumers of all types of insurance in all 50 states”: United Policyholders
In a recent blog post, they discuss one of the hurdles encountered by the so far more than 37,000 insurance claims due to the 2025 SoCal fires:
" When you place your property in a revocable living trust, you’re taking an important estate planning step. However, many property owners overlook a crucial detail: updating their insurance policies to reflect this change in ownership. […]
… Insurance companies view the trust as a distinct legal entity, regardless of your role as both grantor and trustee. […]
An insurance adjuster and/or the insurance company that employs them may deny a claim where there’s a mismatch between the property’s legal owner and the named insured on the policy. "
More details: How to make sure a home held in a trust is properly insured - United Policyholders