10/2009 fire did $313,000 in damage to home. Insurance contractor’s estimate for $125,000, 8 supplements for $75,000, 22 months, plus Appraisal $16,000 after another 20 months, $97,000 short; personal property more of the same. Bank gave ⅓ of $200K, demanded ½ of $313K work done. Estimator’s photos show he downgraded and missed items installed. Appraisers requested estimate and supplements combined into one document, during which 69 line items were changed, 24 altered, 14 added and 31 missing. Appraisers used this document as base for their award. Appraisers made many questionable changes but they also zeroed out flooring materials, carpet and hardwood, but left declaration “per specs independent analysis”. Have Xactimate expert’s reports for above. Insured homeowner bankrupt but filed a pro per breach and fraud case. No attorneys, so far, willing to take the case. Laws inadequate.

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.