PA said a restor. pol means ins. req'd to restore house to prefire cond, & we must clean out all soot & odors in dead-air-space behind the brick. To clean it from inside is impossible, so from outside they have to remove all brick to access the area. They would destroy exterior sheathing of wood framing IF they break thru from the inside of wall to access space just behind brick, & that would impair the structure of walls & no way to re-attach brick. Yet, surprise Estimator sent by PA said NO! "Contaminants remain in dead-air-space & interior cavity of walls (on the opposite side of sheathing) will be cleaned & then sealed w/ shellac to hold out odors from migrating- Insurer only repairs what is damaged!" But Shellac is design change & req B Code approvals?

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.