Hi, so I'm in somewhat of a unique situation. I live on the 2nd floor of a 3 story apartment complex in Long Beach, NY. I did not have any water enter into my apartment from Hurricane Sandy but the first floor of my building was destroyed by flood water also destroying our utility infrastructure. In addition a large section of our roof was ripped off by wind damage and the city's building department has tagged our building as unsafe to live in due to roof collapse. So far I have gotten $0 from either of my policies as they each blame the other, not even living expenses which should be pretty cut & dry since the building has been condemned until structurally repaired. My flood policy says nothing is covered since no water entered my apartment, and my homeowner's policy say they are not responsible for anything because it is due to the flood. I'm looking for living expenses from my homeowner's policy due to the building being structurally unsafe. I'm looking for my flood policy to cover clean-up of my apartment (including clothing, couches, mattress) from smell of flood water, sewage and heating oil that was beneath my apartment for a few weeks until cleaned out as well as my saltwater fish tank in which all fish and coral reef died due to no power/heat in the building. Does anybody have suggestions on who to contact to help me fight my claims? I've called the insurance companies many times and am just getting the runaround. I spoke to one private adjuster and he basically said it's not worth his time since my policies max out relatively low compared to the amounts in a policy for a house. Thanks
New York

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.