My home was damaged by Superstorm Sandy. Several months after the storm my roof started to leak. Home insurer sent me a letter in June and denied my claim. Stating they wanted the roof completely replaced within 14 days. I wrote a letter advising them I am in a program that will most likely demolish my home and asked for an extension. I had the roof repaired on my home and have no more leaks. Yesterday the company sent me a letter stating they would not renew my policy due to the condition of the roof. I am still waiting a decision from the RREM grant program
New Jersey

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.