Our home was a total loss in the Butte Fire. Have insurance with Lloyds of London. When appraiser came out to see damage, he advised that it appeared that the person who originally came out to see the house for the carrier indicated that the house was 1900 square feet whereas it was actually 2640. (looks like he forgot the upstairs) Coverage was $374,000. This would appear that they must have figured that house could be rebuilt for $140 per sq foot. There is no way that house could be rebuilt for less than $200 per square foot. When we ask about this their agent said that they did use the 2640 Sq Ft figure. Is there anything we can do about this since we relied on them to set the coverage? Can we ask for documentation from them showing that they in fact used 2640 in calculating the rate ?

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.