Allied is claiming that my storage structure is not an "appurtenant structure" to my main dwelling because it is not on the same 10 acre parcel and is therefore not insured. My 40 acres is listed on the declarations page and is comprised of 3 parcels (two ten acre parcels and one twenty acre parcel). The main dwelling and the storage structure are on different parcels separated by about 500 feet. Allied is reimbursing me for the value of the personal property in the burned storage structure but not the storage structure since it is not on the same parcel as the dwelling. Under "Coverage B" my understanding is that my storage structure is covered as the structure "(a) is separated from the dwelling by a clear space" and is part of the the 40 acre estate even though it is on an adjoining 10 parcel which is part of the declared 40 acre estate. Thanks for your help!

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.