We lost everything we owned (plus over 900 trees) in the Black Forest Fire. We understand that our policy means we are to receive replacement value (like kind and quality) on the contents of our home. For the items we will be replacing, that's easy. But for the items we don't necessarily want to replace, but still had value, it seems like the only recourse we have -- after depreciation -- is to purchase an item of like kind and quality, then return it. Is that right? Is there another way to deal with this that we are missing? Is this unethical? Thanks so much! It's so hard working this claim . . . .

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.