Insurance company will only agree to replace the now-discontinued siding on two sides of our house that were affected by a garage fire. They updated my policy 3 weeks prior to our fire to state that they are not required to match siding. We live in Colorado. To avoid being left with mismatched siding, which I believe we can't have per our HOA rules, we will have to pay out of pocket. In our opinion, this essentially increases our deductible by thousands of dollars and feel this new policy unfairly burdens the insured. Do we have any recourse and are there recommendations actions? Thanks for any insight or advice!

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.