Ins co wants receipts for new/replacement items matched with items listed on inventory of personal property lost. 1. Am I required to match everything for them? 2. If I have to do this, what is the best, most effective way to go about it? I had a total loss of home and contents therefore have hundreds if not thousands of receipts. Items were not purchased for replacement at same time or place and receipts are for many different items. What about reimbursement for items lost but I don't want to replace? I still suffered the loss but isn't it MY choice whether to replace?

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.