Our home was affected by the Black Forest fires from smoke damage. A professional cleaning company came to our home for three days to restore our home. Upon our return we found that our antique 6 panel chest from North Carolina had been damaged. My question is,.....it will cost $160 to repair but the value will go down as a result of the damage. Do we charge the company the repair cost or the cost to completely replace the chest. Also, when we moved some of our furniture we found that the company did not clean under sofas, beds, chairs. When we called the supervisor, he claimed that they do not do that in their cleaning....they charged us $10,000 to clean our home. What should we do?

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.