Claim filed and assessed with $12,024.59, covering over 9 areas to be repaired and replaced, including City Permits and TWI Engineer Fees. Insurance company's' estimate was matched, however Did Not include General Contractors Overhead and Profit of an additional 10% each. Agent claimed that there was enough complexity of work, but because I as the Homeowner as well as the General Contractor would omit obtaining O&P, inspite of my company performing all the necessary jobs at hand in completing restoration and is allowable under the limits of the policy. Is this Valid?

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.