Even the undisputed becomes disputed. August 17 house fire with little burning, but everything smoke and soot damaged. We have yet to have even the undisputed inventory items pass submission. Instead of appreciating that I am willing to use his form, the adjuster is critical of the way I am organizing items by category. I am wondering if I should just use the handwritten sheets done with the cleaning crew, find replacement costs, and submit those. On the second question, I was told that I could replace with a like item, different brand, as long as it was not an upgrade. But, if my Maytag washer, $719 retail, is on sale for $449., I'm being told I can only replace it with a $449. machine if I choose a different brand. That is not a comparable machine.

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.