BACKGROUND: Since Rick Scott was elected governor, the FL OIR has become a tool of the insurance companies. It never answers the phone, does not answer basic questions about the insurance commission, has approved a 40% increase in my condo (H06) coverage in 3 years in spite of zero catastrophes or claims, and is completely unresponsive. Before you refer anyone to that organization - please look at the quality of the information they are providing. It is usually worthless. (My home was destroyed in H-Charley, so I know in detail how much better it was before Rick Scott). Our HOA project is MIS-CLASSIFIED. It is physically a Condo and legally an HOA. My independent insurance agent told me to forget about re-quoting for my H06 ccoverage because they won't touch it. The original carrier will find out about the mis-classification and withdraw coverage. Is this legal??

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.