I live on the 2nd floor of a condo complex that is in the Boulder flood plain. The HOA sent a newsletter in 2010 stating that only people on the garden level should consider buying flood insurance. Because of this I did not buy flood insurance. I have condominium insurance as recommended by my insurance agent. Our condo complex was damaged by the floods in Sept 2013. I did not claim any damage to my unit. The HOA billed all homeowners a $1,000 Special Assessment in Nov 2013 which they said homeowner's policies may cover. My insurance company refused to pay the special assessment stating initially that I did not have flood insurance. Later they stating that I did not have Loss Assessment Coverage. Interestingly the receptionist at the insurance company told me that loss assessment for catastrophic should be automatically included in a condominium insurance policy. How can I dispute their denial of my 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.