On Oct.19th 2014 the second floor unit right below me had a severe dryer fire that destroyed their whole unit and the fire came into my unit on the 3rd floor and destroyed my bathroom and I have extensive smoke damage to the point we were told by the association that we are not allowed to live there until it is repaired which could be months. They said they filed a claim on my behalf through their master policy which is the only insurance i have and the only insurance the landlord on the 2nd floor has. What steps do I take on my behalf since i have know one fighting for me because i don't have my own insurance and although the condo association has filed a claim through their master policy on my behalf I'm not confident that they will do everything that needs to be done for me. I have hired an attorney to possibly sue the landlord on the 2nd floor who's dryer caused the fire?
New Jersey

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.