In Aug 2011 my home was devastated by "HURRICANE IRENE". We had FLOOD INSURANCE (FIDELITY),I documented everything, photo's ,compiled receipts,submitted all invoicing. Not including the loss of TWO CARS, we spent & lost upward of $100,000. My husband & I were never directed to seek any assistance, NO OUTSIDE HELP OF ANY KIND! As a direct result of the overwhelming situation,all the losses, the horrible mess,the lack of support, by Jan. 2012 we separated & believe me, I am still suffering,emotionally & financially. I am still carrying the debt I incurred, and living in the house that never got finished,because the insurance co. only gave us back $23,000.00. I am 59 years old,divorced after 22.5 years, $65,000.00 in debt,& living in my house we paid $560,000.00 in 2007, that I couldn't sell today for $450,000.00! I couldn't act sooner!

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.