I have met with someone who presents himself as a Licensed Consulting Contractor to potentially have him review the Xactimate line item estimate for the rebuild of my house (Santa Rosa Wildfire). His company is RRAAdvisors and he is willing to review my Xactimate estimate, which I believe is low, and create a new estimate for $4,000. He will also negotiate the new figure with my insurer for an additional $1,000. I have about $145K left in my extended coverage. I don't know how to go about vetting him or if UPH can recommend other advisors to do that. My new builder is being asked to provide a scope of loss, but I don't know if that will be sufficient or should I just wait until the building process starts and those figures are sent to my adjuster. This person I met with has an "F" from BBB, which makes me wary. Any thoughts that might help me out? Thanks. Mark Charnas

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.