How do I get our insurance company to pay for damage to our house? Our newly purchased house had a ~4 year old roof that began leaking after a derecho storm here in Virginia. Various individuals told us roof incorrectly installed. One of the roofers, who videotaped roof on my behalf before starting teardown; the insurance adjuster; and the roofing salesman who I wager is a decent and honest individual. HOWEVER. What about collateral damage? HVAC system in attic; insulation in attic; walls, ceilings, flooring, etc. etc. How do we know how to determine what damage to claim (especially insulation, HVAC vent system, drywall, ceiling) and what damage may have already pre-existed from previous homeowners? We are at a loss. Our insurance company blew us off. It will be two years in Oct 2012 and we have been living with interior damage. What to do? Thank you for your advise! : )

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.