In 1989 I bought a property in Cobb, which I lost in the Valley Fire. I discovered in 2012 that I was no longer covered by CSAA who still cover my other house and cars. CSAA informed me that they no longer cover properties in high risk zones such as the one where my house is located. They promised to find another company to write a policy. In September 2012 they said they had located a company (Scottsdale Insurance) and that the home was insured, but that they needed photos of the wood stove and chimney. I sent the photos to CSAA agent Maria Sandoval in September 2012, and did not hear back from her. I sent them again in 2014 and did not hear back. Can an email correspondence demonstrate that CSAA had promised to find me an alternate policy and then failed to do so? Our lawyer is asking for $14,000 to take this case, but we have already paid him $21,000 since October 2015.

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.