Hi, unfortunately ignorant about insurance, but of course have a home policy. I asked for an adjuster to come and look at storm damage thinking they would tell me their thoughts about whether or not they would cover the damage, and then tell me their estimated amount of damage so that I could determine whether or not to file a claim. They filed the claim as soon as they left the house, and additionally told me that my policy would not renew at the renewal period unless I had replaced my whole roof. I wondered if they can say that? and why they can't just deny the next claim if they think my roof is too old? I feel that they should not be able to dictate when I get a new roof or withhold my whole house coverage because a old roof can only allow for certain types of damage? Please advise! Where will I receive this information?
North Carolina

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.