I had a fire in my home on 7/14/2012 where the contents of my garage and family room were completely destroyed. The consents of the rest of the house were deemed unsalvageable due to water and smoke damage. I submitted a content list, including age and cost, of my garage and den to my insurance company on 8/7/2012. After several calls to my adjustor (many of which were not returned), I received a “working copy” of the depreciated value (excessive depreciation!) of this list on 9/21/2012. The working copy had several items listed as “open” that I immediately (On 9/22/2012) addressed in writing and provided further descriptions and asked for further clarification as to why they were open. I still have not heard back from the adjuster. My insurance company is supposedly considered one of the top 3 providers. My question: Is this the “usual” response time for this type of situation? I am very distraught.
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.