My wife and I had a house fire in september 2013 that was a total loss. My insurance company was/is been very good to us during this whole process. I am still turning in receipts to recover depreciation on contents and have not met my limits. The fire was caused by a laptop and Toshiba sent their inverstigators out a few weeks after the fire. As far as I know they determined that is what caused the fire because my rates did not go up and my insurance agent said it wasn't showing on my "insurance credit report". I went with the same company considering I think they have been very fair during the whole process. My question is: Should I go after to Toshiba for depreciation lost that I haven't recovered and also lost time from work, deductibles, and hospital bills(we were in the house asleep when it happened)? I really appreciate any advice. Thanks
South Carolina

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.