We had a fire destroy our rental home. Thank God everyone is OK. The fire was ruled an accident from the fireplace. The insurance adjuster seems to know nothing about our policy - he never calls. His first contact was THREE DAYS after the fire - when I tracked down his name and number! I always have to call him first. His opinion is that we will get "full coverage" but he's not sure what that is. Seriously? Right now, in limbo waiting on adjuster - it's been two weeks. What should I be doing? Do I get a contractor now? Public adjuster? Legal representation? I hate to put out more money than I have to... but I don't want to get raked over the coals by the insurance company. Any help is appreciated. Thanks, Terri

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.