We submitted a partial personal property loss claim due to a house fire and received and cashed the check from the insurance company. When we submitted the rest of the personal property losses, the insurance company said they looked back at our first submission and discovered they had accidentally multiplied some of the line item amounts, resulting in an over payment. Are we liable for the over payment since it was their mistake and we cashed the check, never realizing a mistake may have been made? Can they deduct the amount from the second portion of our personal property loss? They are asking me to go through the original list and let them know WHICH items they may have overpaid us on.

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.