Hi. We lost our home in the FourMile Fire of September 2010. United Policyholders has been so supportive during this process. We were significantly underinsured, and are currently rebuilding. I have two questions: 1. I received a letter from Safeco saying they were proceeding to 'resolve the claim.' They have in fact paid the maximum of almost all our policy limits. However, they have agreed to pay ALE for the next three months (rent and moving expenses). How do I delay the 'resolution?' 2. Is there any recourse to my insurance agent (AAA) as opposed to my insurance company (Safeco)? Safeco has paid us the limits of our policy (after much documentation, including a personal inventory list that was $250k over our limit), but we were significantly underinsured - $400k + on the rebuild, $250k + on property. Is there any recourse to the insurance agent who brokered our policy but NEVER updated anything? Many thanks for your support.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.