Hello, The house that I own was recently in a fire back in 03/2012. The 1st floor and basement were affected by the fire. I did get a Public Adjuster who was trying to help me out. My claim was denied bc my insurance had me as Owner Occupied but I had moved out at the end of 12/2011 and rented the Apt as of 01/02/2012. I submitted documents from my landlord and a signed statement from the prior tenants attesting to the above. The fire occurred 03/6/2012. The insurance is sticking with the fact that I was not living there and denied the claim. Can I appeal this? I did contact the insurance company back in 01/2012 to make changes to my policy. I tried contacting the lady I dealt with right after the fire occured but she was out on Maternity leave. I feel that even though I did not physically live there, the house was insured and I have good cause. The public adjuster stated that the insurers' attorneys will say that I didnt change the policy in enough time. However, all that time the insurance was receiving their money. Can I appeal the claim?
New Jersey

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.