I have a fire claim from the Creek Fire and Skirball fire with State Farm. I submitted my claim and the carrier gave me an estimate that was low. After I couldn't get them to pay more, I tried to invoke the appraisal clause in my policy, but the insurer rejected my request stating that I cannot compel them to appraisal because the fires are a Government declared natural disaster. How can they use a clause that is meant to help insureds against them? They've stone walled me

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.