AAA is the insurer. October 2, 2014 large loss fire. How can we find out what are time limits for ALE benefits are. It is not in our booklet. I wrote a letter to claim's adjuster supervisor for a settlement price. She misunderstood my total figure but wrote back. She did hint in her letter to me that the claim is almost a year now. She hinted it depends on if we are going to rebuild or not. We have not decided. We just finished CIS inventory on July 26th. We have spent two months preparing the land for sale however we are still not decided if we will rebuild. The land may not be saleable in this market in CA. I would like to express to her that this settlement figure is for this year but any additional time on claim is not satisfied up for negotiation. Right now we go to hotels on incurred expense but cannot always get away. In fact, August Sept just fixing up the land. Thank you

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.