Does this sound right? My neighbors house burned down and damaged my house in the process. I hired a private claims adjustors to work with my insurane company on the claim so I could repair my house. I just received a renewal for my policy and it increased by 41%. After calling the broker to ask why it went up so much they said it was because I now have a claim on my record? I find it hard to belive that my insurance company does not go back and get the money back from my neighbors policy because I was at no fault but have this claim on my record that I now have to pay for? Something does not sound right to me. This happened in PA. Please let me know if this is what is supposed to be happening. Thanks, Herman H.

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.