My dad lost his home and his life in a housefire. We immediately notified the insurance company who promptly sent one of their employees out to board up the house, take photos, etc. They then hired an independent adjuster to complete the process. It has now been more than 3 months since the fire occurred, and although I've been contacting the independent adjuster periodically, he keeps saying he'll get back to me in a few days. And then he doesn't. He says the unusually cold weather has got him behind in his work. The thing is, I really don't know how long is too long to wait. 3 months seems like a long time, but I'd be curious to hear from someone with more experience. I have spoken to the insurance company a few times (they have parried). I am wondering if it's time to report this guy to the state agency. Or hire a public adjuster. Or both.
New York

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.