I have a client affected by Superstorm Sandy in NJ who is going through the NJ State RREM program to elevate his home to base flood level. His homeowner's insurance has indicated that his policy will not be in effect during the time of elevation when his family needs to vacate the home. They have told my client that he needs to purchase an additional "construction policy" to cover anything that may happen during elevation. Is this standard? The client does not have the funds to purchase an additional policy and is requesting assistance from the Long Term Recovery Group.
New Jersey

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.