Hello, a water main burst in front of our house, and the water rushed into our driveway and front door. The water utility agrees it's their fault, but it's not clear if our insurance policy covers the damage. The insurance agent suggested that we withdraw our claim to the insurance company, and submit a claim directly to the water utility. A lawyer acquaintance says they just don't want to deal with us, but should accept our claim, cover the damages and and then subrogate the claim against the utility company. Our insurance policy states it doesn't cover all kinds of water damage, but the adjuster we talked to says it should cover this one. I want to be able to argue my case with the insurance company, and am hoping you can give me some ammunition to do so!
State: 
California

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.