Our house was destroyed by fire while we were out of state, cause was undetermined (by fire chief and fire marshal) Totally destroyed. Ins adjuster has not yet determined total value of the residence. We have decided not to rebuild. Agent says we have content coverage of approx $143,000.00 has made us an offer of $70,000,.00. Otherwise have to list every thing (itemize) I think the agent just offered half as a starting point, infered if we try to get more they wont negociate and if we try to get anyone involved ( ie. atty, independent adjuster ) we will wind up with less than what they offered

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.