We had a house fire in April 2012. We hired a public adjuster, and we have not been dealing with the Insurance company directly. In September we agreed to the settlement terms of the insurance company's adjuster, and were told that the insurance company itself had not approved those terms and we would have to wait for their approval. About a month ago, we were told there was a missing form that had to be filed. We are now 11 months from the date of the fire, and don't have any sense of when we will obtain a settlement. Our adjuster seems to be ineffectual and just repeats what he is told by the insurance company's adjuster. What are our rights to a timely settlement in NYS? Should we file a complaint? Hire an attorney? Thanks.
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.