<p>，/PRNewswire/ -- 在洛杉矶火灾一年后，消费者观察组织发布了三部分系列调查的最终报告，调查大型保险公司如何通过行业对齐的分包商、黑箱技术和明显非法的拒赔方式来低估野火幸存者的赔偿。</p>
<p>“我们审查了法庭记录、合同，采访了专家、律师和火灾幸存者，以打破企业叙述，从保单持有人的角度编织出一个引人入胜的故事，” 消费者观察组织的贾斯廷·克洛兹科说。</p>
<p>以下是相关报告：</p>
<p><strong>技术如何影响财产保险</strong></p>
<p>揭示了美国最大的房屋保险公司使用的隐藏算法和人工智能如何使许多房主面临保险不足、赔偿不足或完全被拒绝保险的困境。以及一家大型科技公司如何销售塑造保单限额、建筑成本、房屋火灾风险评分以及保险公司未来灾害收费的产品。</p>
<p><strong>分包黑暗世界</strong></p>
<p>揭露了保险公司雇佣的所谓测试者和清洁工的令人不安的系统，他们往往优先考虑减少赔付，而不是将火灾幸存者的家恢复到安全和适宜居住的状态。</p>
<p><strong>低估：火灾幸存者希望你了解的保险索赔</strong></p>
<p>十个实用技巧，帮助火灾幸存者直接获得烟雾索赔。随着成千上万的保单持有人在加利福尼亚州经历伊顿和太平洋帕利塞德火灾后的房屋保险索赔过程，许多仍然有房屋的保单持有人发现保险公司并未支付因热量和烟雾造成的损害。</p>
<p>听众还可以收听我们的持续调查播客系列《烟雾与镜子》，该系列关于火灾幸存者和保险行业。该系列包括叙事故事、专家和律师的访谈，并利用法庭记录描绘出许多大型保险公司未能履行对保单持有人的义务的沉浸式画面。</p>
<p>可以在下面的 Apple、Spotify 和 YouTube 上收听：</p>
<p>Apple Podcasts</p>
<p>Spotify</p>
<p>YouTube</p>
<p>来源 消费者观察组织</p>
<p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTI4Jk5ld3NJdGVtSWQ9REM3MzYyNSZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjgxNjAwUFJfTkVXU19VU1BSX19fX19EQzczNjI1?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTI4Jk5ld3NJdGVtSWQ9REM3MzYyNSZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjgxNjAwUFJfTkVXU19VU1BSX19fX19EQzczNjI1"/></p>

<p>消费者监督组织发布了一份报告，调查大型保险公司如何对待野火幸存者，揭示了低赔付和非法拒赔的情况。该系列报告包括了技术在财产保险中的作用、优先考虑利润而非安全的分包实践，以及为保单持有人提供的应对索赔的实用建议。持续进行的播客《烟雾与镜子》通过讲故事和专家访谈进一步探讨这些问题，突显了主要保险公司未能履行对火灾幸存者的义务</p>

<p>, /PRNewswire/ -- One year after the Los Angeles fires, Consumer Watchdog released the final report in a three-part series investigating how large insurance companies underpay wildfire survivors through a combination of industry-aligned subcontractors, black box technology, and outright illegal denials.</p>
<div class="lb-trans"><p>，/PRNewswire/ -- 在洛杉矶火灾一年后，消费者观察组织发布了三部分系列调查的最终报告，调查大型保险公司如何通过行业对齐的分包商、黑箱技术和明显非法的拒赔方式来低估野火幸存者的赔偿。</p>
</div><p>&#34;We examined court records, contracts, interviewed experts, attorneys and fire survivors to cut through the corporate narrative and weave a compelling story from the perspective of policyholders,&#34; said Consumer Watchdog's Justin Kloczko.</p>
<div class="lb-trans"><p>“我们审查了法庭记录、合同，采访了专家、律师和火灾幸存者，以打破企业叙述，从保单持有人的角度编织出一个引人入胜的故事，” 消费者观察组织的贾斯廷·克洛兹科说。</p>
</div><p>These are the following reports:</p>
<div class="lb-trans"><p>以下是相关报告：</p>
</div><p><strong>How Technology Shapes Property Insurance</strong></p>
<div class="lb-trans"><p><strong>技术如何影响财产保险</strong></p>
</div><p>Reveals how hidden algorithms and artificial intelligence used by the nation's largest home insurance companies are leaving many homeowners underinsured, underpaid, or denied home insurance completely. And how one large technology company sells the products that shape policy limits, construction costs, a home's fire risk score, and how much insurers can charge for future disasters.</p>
<div class="lb-trans"><p>揭示了美国最大的房屋保险公司使用的隐藏算法和人工智能如何使许多房主面临保险不足、赔偿不足或完全被拒绝保险的困境。以及一家大型科技公司如何销售塑造保单限额、建筑成本、房屋火灾风险评分以及保险公司未来灾害收费的产品。</p>
</div><p><strong>The Subcontracting Underworld</strong></p>
<div class="lb-trans"><p><strong>分包黑暗世界</strong></p>
</div><p>Uncovers a troubling system of supposed testers and cleaners hired by insurance companies, who often prioritize minimizing payouts over restoring fire survivors' homes to safe and livable conditions.</p>
<div class="lb-trans"><p>揭露了保险公司雇佣的所谓测试者和清洁工的令人不安的系统，他们往往优先考虑减少赔付，而不是将火灾幸存者的家恢复到安全和适宜居住的状态。</p>
</div><p><strong>Lowball: What Fire Survivors Want You To Know About Insurance Claims</strong></p>
<div class="lb-trans"><p><strong>低估：火灾幸存者希望你了解的保险索赔</strong></p>
</div><p>Ten practical tips for getting smoke claims paid directly from fire survivors. As thousands of policyholders navigate the home insurance claims process in California following the Eaton and Pacific Palisades fires, many whose homes are still standing are finding out that insurance providers aren't paying for damage wrought by heat and smoke.</p>
<div class="lb-trans"><p>十个实用技巧，帮助火灾幸存者直接获得烟雾索赔。随着成千上万的保单持有人在加利福尼亚州经历伊顿和太平洋帕利塞德火灾后的房屋保险索赔过程，许多仍然有房屋的保单持有人发现保险公司并未支付因热量和烟雾造成的损害。</p>
</div><p>Listeners can also listen to <em>Smoke &amp; Mirrors</em> <em>,</em> our ongoing investigative podcast series about fire survivors and the insurance industry. The series includes narrative storytelling, interviews with experts and attorneys, and draws on court records to paint an immersive picture of how many of the biggest insurance companies are not meeting their obligations to policyholders.</p>
<div class="lb-trans"><p>听众还可以收听我们的持续调查播客系列《烟雾与镜子》，该系列关于火灾幸存者和保险行业。该系列包括叙事故事、专家和律师的访谈，并利用法庭记录描绘出许多大型保险公司未能履行对保单持有人的义务的沉浸式画面。</p>
</div><p>Listen to it on Apple, Spotify and YouTube below:</p>
<div class="lb-trans"><p>可以在下面的 Apple、Spotify 和 YouTube 上收听：</p>
</div><p>Apple Podcasts</p>
<div class="lb-trans"><p>Apple Podcasts</p>
</div><p>Spotify</p>
<div class="lb-trans"><p>Spotify</p>
</div><p>YouTube</p>
<div class="lb-trans"><p>YouTube</p>
</div><p>SOURCE Consumer Watchdog</p>
<div class="lb-trans"><p>来源 消费者观察组织</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTI4Jk5ld3NJdGVtSWQ9REM3MzYyNSZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjgxNjAwUFJfTkVXU19VU1BSX19fX19EQzczNjI1" alt="" original-src="https://rt.prnewswire.com/rt.gif?NewsItemId=DC73625&amp;Transmission_Id=202601281600PR_NEWS_USPR_____DC73625&amp;DateId=20260128"/></p>

深入探讨消费者监督组织的调查系列，审视大型保险公司如何对待野火幸存者