I have been working with my insurance company for a water damage in my kitchen. The damage occurred in January, I reported it immediately, had our lower cabinets torn out for water remediation, and have been since waiting to restore the kitchen. I have a contractor, chosen a floor, cabinets, and counter, but have had no reconstruction done at this time. We have saved all of our restaurant receipts since the damage occurred to claim, but, as a family of 4 with damage to the kitchen, I feel that does not adequately reflect our losses. The insurance adjuster and contractor have both prolonged the process that my husband and I have tried to expedite. What else can I ask for? May 8 2016. Coming up on 5 months without a kitchen.

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.