My 3 contractors have quoted a $19,000 cost to repair a bathroom and dining room with water damage. The homeowners wants to allow only $5,000 to replace hardwood floor, ceiling, walls, electrical, plumbing. The say they are not responsible for code upgrade yet they sent the municipal building inspector a letter informing him of my loss. The contractors say that replacement value includes the code upgrades, the insurance comp. Met Life says they are not responsible. Since my house was built in 1904, and the underwriters did not insist or advise extra coverage. The agent stated she did not know what code upgrade insurance was. My policy is part of a large group with Mass Hospital Assoc. evidently the agent only sells and does not service the account. Can I successfully fight this? Do I need a public adjuster? Thanks. MH

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.