We have rebuilt in Black Forest and are now ready to insure the new house. Our agent gave us two options: keep the 'old' policy and update it to carry more coverage for the new house or start a 'new' policy on the new house. For the new policy, an adjuster was out to our property, took pictures, and said we did not comply with Allstate's mitigation rules. We have mitigated extensively and were well mitigated prior to the fire anyway. They did not give us specifics as to what trees still need to come down. Our agent had said that Allstate was not enforcing a 100 foot perimeter rule for other clients but for us they appear to be doing so. The agent gave us little to go by. We are leery of going with a 'new' policy for fear that they can cancel us then anytime they want since we would be considered 'new' holders. We were successful in getting all our policy limits. It was a battle. Could they now be targeting us for dismissal? What kind of policy do we pursue at this point: an extension of the old policy or have the agent write a whole new policy on the new house?

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.