Our home in Santa Rosa burned down in the October fires last year. We are planning to rebuild our home on a different lot, but our insurance (Liberty Mutual) claims that the code upgrade coverage only applies if we build on our old lot. However, the new lot is only half a mile away from our old lot and will have the exact same code requirements regarding fire safety, energy efficiency, ... So we think that we should receive the same code upgrade coverage as if we rebuild on our old lot. We are hoping that there is something in the CA insurance code or in a court ruling that would clarify this issue. Any help on this would be greatly appreciated! Thanks, Martin

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.