I am in the middle of the appraisal process. The process was invoked by the insurance company due to our disagreement as to whether or not my kitchen cabinets that were not damaged would be replaced since the island that was damaged and removed cannot be matched would fall under my "my loss to a pair or set" in my policy. The Insurance Appraiser is not including the cabinets. Just says "No" to replacement. Shouldn't the burden of proof be on the insurance appraiser to prove that the remaining cabinets can be matched therefore that is why they are not replacing it instead of just saying "no"? Also, the insurance appraiser has set an extremely "low" amount to replace my island. The "High end" cabinet quote would barely get me an island base from Home Depot, the island and cabinets are from a Custom Cabinet Company. Once again my question is...shouldn't the appraiser have to show the replacement value of what the island base would cost from the same cabinet company it was from originally and not just the amount he figures it off the top of his head to be? I really appreciate any answers it has been over two months since the water damaged happened and I know the insurance company is just try to wear me down to where I just throw in the towel and accept whatever it is they give because I cant live with my house in disarray any longer.

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.