House fire in Oklahoma. Partial damage but house uninhabitable. Requires replacement of 80% of ceiling and roof structure, all walls and unburned ceilings to be stripped down to framing and treated. 100% new hvac and electrical. Partial plumbing replacement. I do not want to start the rebuilding process until the contents claim is settled. There are still many expensive but ruined items in the home. Do I have to start the rebuild process immediately? How may that affect my temp living expenses. And is it possible to negotiate a lump sum payment on temp living expenses and stop dealing with the insurance co? For all or part of the limits. Agent told me the insurance Co is going to drop us at the end of our policy (March 30, 2016)

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.