Lost home in Valley Fire. Four months ago insurance adjuster says we are eligible for an additional 130k as we cannot rebuild our home and as we had multiple homes we can buy a replacement to replace a rental unit or home. Adjuster replaced and new one says we do not get the additional money as adjuster was wrong. We have documentation of the claims made and sent letters. We were told wait due to request had to go up two levels and down two levels. Has told us the maximum we get is policy and that we get no money for replacing home with a used home , and maybe some money for replacing rental. Also only additional money if we rebuild our home is code upgrade. Telling us no replacement policy to replace home with another unless we rebuild. Original adjuster told us we could replace with used home and get similar to re-building based on formulas considering sq ft and cost. Any ideas ?

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.