Hi, I was only paid a fraction of what was needed to repair my home due to Sandy damage. As a result I was unable to make repairs & have been displaced for 3 years. I've re-opened my claim but the adjuster says he only sees $20,000 underpayment that they can give me. I provided a very detailed list of things I felt should be addressed with photos, receipts & statements that I don't believe he even looked at. I'm now requesting a neutral party review. I have three big issues: 1. The rear of my house collapsed during elevation due to shifting sand & water damage. 2. Code compliance for fire resistive materials on the side of my house. 3. Upper cabinet replacement. All of these are being denied, do you think I have a chance to get them approved by this neutral party? Thanks.
New York

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.