Status and standing
Is it real, and can you give to it?
Where the money goes
What each dollar paid for.
Statement of Functional Expenses
Financial health
Is it on solid ground?
Summary of the Filing
| FY2020 | $1.2M |
|---|---|
| FY2021 | $1.2M |
| FY2022 | $2.7M |
| FY2023 | $2.5M |
| FY2024 | $1.9M |
| FY2020 | $184K |
|---|---|
| FY2021 | $86K |
| FY2022 | $120K |
| FY2023 | $170K |
| FY2024 | $227K |
Balance Sheet
Statement of Revenue
Financial Metrics
Same NTEE category, revenue band, and state where available. Descriptive — not a grade.
| Metric | This org | Peer median | Percentile |
|---|---|---|---|
| Program ratio | 86% | — | — |
| Overhead ratio | 7% | — | — |
| Fundraising cost ratio | 11% | — | — |
| Revenue growth | 3% | — | — |
| Investment management fee ratio | 0% | — | — |
| Legal fee ratio | 0% | — | — |
| Accounting fee ratio | 2% | — | — |
| Fundraising fee ratio | 0.01% | — | — |
Straight from the Form 990 — descriptive, not an evaluation. A ratio is hidden when its base is zero or too small to be meaningful; the dollars are always shown.
Leadership and pay
Who runs it, and what are they paid?
Officers, Directors & Key Employees
Compensation history total reportable pay by year · 3 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Amy Bach | $214,668 | $191,135 | $186,162 | $165,000 | $165,000 |
| Valerie Brown | $128,800 | $137,311 | $120,349 | — | $97,839 |
| Emily Rogan | $108,741 | $104,081 | — | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Governance & Policies
- 12Voting board membersPt VI · Ln 1a
- 11Independent board membersPt VI · Ln 1b
- Conflict-of-interest policyPt VI · Ln 12aYes
- Whistleblower policyPt VI · Ln 13Yes
- Document retention policyPt VI · Ln 14Yes
- Top official’s pay independently reviewedPt VI · Ln 15aYes
- Family or business ties among leadersPt VI · Ln 2No
Mission and programs
What it does.
Helps people make smart insurance choices and get fair claims paid.
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Where the work happens
ROADMAP TO RECOVERY(R) HIGHLIGHTS 2024 * Empowered over 500,000 disaster victims, individuals and businesses to successfully navigate the insurance claim and loss recovery process and secure fair, full and prompt payouts and settlements.* Presented 50+ Roadmap to Recovery events in California, Colorado, Florida and Hawaii (in-person and…
ROADMAP TO PREPAREDNESS 2024* Served as expert presenters at 100+ insurance-focused disaster preparedness events throughout the country.* Informed California residents on how to find and maintain insurance on their homes through our Wildfire Risk Reduction and Asset Protection Project (WRAP), outreach and educational activities.* Created…
ADVOCACY AND ACTION HIGHLIGHTS 2024 * Continued gathering data, raising awareness about and proposing solutions to a growing affordability and availability crisis related to home, auto and commercial property insurance that is impacting residents of Florida, Louisiana, California, Colorado, New York, and a growing number of other…
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Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
Filing history
Every return on file.
| Year | Revenue | Expenses | Change | Filing |
|---|---|---|---|---|
| FY2024 Latest Viewing | $1.3M | $2.0M | +3% | 990 PDF |
| FY2023 | $1.3M | $1.5M | -51% | 990 PDF |
| FY2022 | $2.7M | $1.2M | +112% | 990 PDF |
| FY2021 | $1.3M | $1.2M | +41% | 990 PDF |
| FY2020 | $897K | $1.0M | 990 PDF |
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Schedules filed Part IV
Not shown yet: ratings, outcomes, and peer benchmarks. A Form 990 doesn’t report them.
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Sources
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