My insurance company gave me a check for half of the claim, remainder when repairs are done. Now mortgage company will not release any funds. I have been doing everything they ask. It keeps changing. Everyone tells me something different. Now, they have been saying that they will give me 25% down. Then when the job is 40% done they will send an inspector out within 5 days. Then the same when it is done. But they are only basing their percentages on half of the amount. The roof will take two days from start to finish to be repaired. I'm having trouble finding a contractor that will first wait and second to accept those terms. I still am being reviewed for the initial 25% which my contractor doesn't know that it's not 25% of the entire bid. Then, my roof has begun to leak through my ceiling and light fixture. Turned off breaker to my kitchen. Additional damage insulation, drywall, plywood.

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.