I hired a Public Adjuster that never came out to the house with the I.A. and the I.A closed the claim based on the P.A not providing information about the claim to him. I tried to get the P.A to rectify this and get the claim re opened with no success. Finally I released, in writing, the PA and contacted my I.A.to inform him.They still would not talk to me saying I needed to get a release from the PA. The P.A. would not return my calls and we continued to live in mold and without heat or air due to contamanation.I wrote the B&I dept and after 16 mos. the Insurance co decided to re open the claim w/o the P.A.Now the insurance co denied the claim based on no remediation for 17 months. What should I do?
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.