I had a fire in the garage which totaled the car and caused extensive smoke damage throughout the entire house. The FRSTeam came a day after the fire and took all clothes and fabric for cleaning costing over $9K not including storage. The second crew from Restoration Cleanup Company removed all furniture for cleaning and the first estimate came in at $23K. They've now revised it down to $16,620 plus $2625 for storage for 3 months. My contents coverage is limited to $18K. I live on social security and have no means to pay any overages. This doesn't even include the loss of goods in the garage. What are my options? attorney or public adjuster? Thank you.

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.