I lost my house in the Tubb's Fire and I am just now getting final numbers on the rebuild cost. In 2013 my neighbors house caught on fire and damaged several of our separate structures and garage. At the time I was underinsured in my "B" coverage. I brought this up with my agent and the adjustor, who allowed me to use contents money to pay for the deficit. Now with a total loss, significantly underinsured (most in contents, "B", and code upgrade). My house was well documented for what I had in 2013 by Farmer's. My policy was never changed after this first loss to cover what I had. It is a replacement policy. Farmer's just told me that because I did not specifically ask to have my coverage increased in 2013 and did not review my policy thoroughly enough to determine my underinsurance, that this is my fault. I feel that if they have documentation of the things that I had, and offered me a replacement policy, that they should have taken into account the things that they documented in 2013 and the underinsurance issue that was brought up at that time. Do I have hope in this case?? Nothing was updated or remodeled after my house was fixed last time, so the documentation in 2013 was what I still had prior to 2017. Thanks. Rachel

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.