I am stunned to have just been turned down twice online when trying to secure homeowners insurance. I currently have AAA homeowners which renews next month and I have not been happy with them. I have never even had a claim! However, I replaced my roof this year and more just out of curiosity asked my agent if homeowner's covered it? (I had already replaced and paid for new roof) He said he doubted it but if I had some left over shingles to take some pics and send it to him which I did. I never heard another word and completely forgot about it. Did THAT go on my record as a CLAIM? I cannot figure out why I had NO problem getting auto and then got denied on the homeowners tonight from Esurance and Liberty Mutual tonight. Is there a way for me to see what insurance companies are reading about me to base decision?

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.