We had a house fire two months ago and lost our home and all of our possessions. We were told that we had a replacement policy on our home, but the gap between what we have been told that we are insured for and what the true cost of replacement for our home (based on bids from reliable builders) is nearly a $100K difference. We need advice on how to communicate with the insurance company. When we ask how the amount that they are offering us was derived, they keep saying that that is what we were insured for and that they are offering us the full limits on our policy. However there is no way we can rebuild our home for that amount. Several attorneys do not want to take the case because they say it would take too much work for too little help for us and we might as well save attorney's fees for our home. Do you have any advise for us on how we should proceed? Thanks.

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.