a plumber hit my house with bull dozer. He gave me his insurance companies name and infor. My house has very old metal siding. The siding cannot be matched. We have gone from his insurance saying they would pay $2700 to reside the front. I said it had to match and be metal siding. They offered $3100. I said again, the front siding has to match the other 3 existing sides. Now they have come back and said they would withhold depreciation of $4K and pay me $5900 to reside the entire house. My first question: can they claim depreciation if they call this "entire" house reside?They weren't before. 2nd: $5900 wont reside my house, do they have to pay me the 4k when I prove I have resided the house? 3rd: do I have to repair the siding

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.