Last year we had floor damage due to Hurricane Irene. When we were reviewing people to fix our floor they told us that we needed a sump pump before we could put new floors down. When we receive the claim money from FEMA we sent the check to our mortgage company and got a quote for the pump. We sent it to our mortage company and they released the payment knowing that we only had enough to get the floors done. The mortage company forced us to sign a waiver that we will pay the difference to get the floor done. It is now a year later and we just got more damage due to Sandy. Now our personal insurance is telling us that they may not reimburse us for the furniture and washer and dryer that we lost because of Sandy damage and because we did not get the floor done. I need help and advice so I can go back to my insurance company. Thanks
New York

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.