I do not have a Flood Policy but a sewer/drain backup policy withing my Homeowners coverage. It is an old policy that covers up to policy limits plus contents. My sewer backed up from the first ground level up to the first floor. Fecal material residue is still present. The first examiner hired by my carrier was an independent from Texas. He said the damages were well into the six figures, not including contents. Not happy with his assessment, my carrier sent in one of their employees (a trainer) to perform a second examination of the home, 6 weeks later after we had cleaned. We have multiple pictures before & after. The seciond exam performed last Thursday: Jason said the flood waters in Point Pleasant Beach rose to 4' so some water must have seeped in via cracks & crevaces so when flood waters co-mingle with sewage it nullifies your policy coverage. My house was boarded up. The back enclosed porch shows a water line of 6-8", not 4'. I have a picture to prove it immediately after the hurricane. I understand a "second" review is not for my benefit but for the carrier to limit or deny the claim. I have been a policy holder with this insurance company, with several other policies for over 40 years. My policy is not even sold anymore. Obviously, the second examiner disagrees with the first examiner (Bradley) because of the numbers. How do we go from $150,000 not including contents to Zero? I let my disapproval be known and they will give me an answer soon, hopefully this week. This tactic, in my opinion, would violate the Unfair Claim Settlement Practices in New Jersey. THANK YOU FOR ANY HELP YOU CAN OFFER!
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.