Well the saga continues. We submitted our list of lost items a month ago. It contained what we could remember and we listed make/model numbers and price mostly from Amazon as we couldn't go out and find all this in stores. Now they are telling us we have to submit to an examination under oath about the list. The first adjuster assigned to us told me to just get as close as I could and not worry about being exact. Am I allowed to say that an item is probably not exactly what I had...I listed as close as I could get? And, to add to the ordeal...they sent a letter stating that because the estimates from the builders said the house could be rebuilt in 4 months...they will no longer accept any loss of use claims as it is our fault the house has not been built yet. It took them until the end of December to answer us about what "equivalent structure" meant as we were under-insured by over $50k on the estimates! I have no energy left...this has been a nightmare. I wouldn't wish this on my worst enemy.

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.