We had 2 separate losses, 2 weeks apart; first a windstorm, and then a fire. Neither was a total loss, but damage is significant from both perils. The insurer has paid some covD expenses from each claim and then quickly changed to only paying them from the fire loss claim. Now the fire loss covD is exhausted and they are refusing to pay further additional living expenses. There is no question that it is two separate claims and they have deducted 2 separate deductibles and they have paid the undisputed amount of both claims under covA, covB, covC. Can they be forced to pay continued reasonable additional living expenses under the windstorm claim? The house is just as uninhabitable from the windstorm as it is from the fire. Thank you.
North Carolina

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.