My insurance company will not reimburse me for my burned "storage building" which is appurtenant to my main dwelling. Allied is calling my storage structure an "implement shed" but I did not house implements in it-over 90% of the items were personal property-which Allied will reimburse me for except 2 antique collectible tractors. Other items in the storage structure such as burlap sacks and collection buckets are not covered as those items are "farm related". Since Allied is calling my "storage structure" an implement shed, it is in their view farm related. Farm related items are not covered on my policy's Declaration Page however other structures, not farm related, and "appurtenant to the main dwelling" are covered. My storage building is approximately 500 feet from my main dwelling. I have 3 contiguous parcels totaling 40 acres and my storage building is on an adjoining parcel.
State: 
California

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.