I had a house fire Feb. 2013. It was protein fire so I had smoke damage thought the entire house. My Boyfriend (who name is on the policy but I own the house) is doing the repair so negotiation has been a nightmare. I have had two public adjusters come out both say we are being treated very unfairly and the numbers are very low. Neither adjuster wants to deal with this company because they are so hard to work with. Told me to hire an estimator. The estimator said he wanted us to hire a lawyer. Met a team of lawyers who said we have a great case. But then declined because my boyfriend is doing the job. It's been almost four months We are still living in a Motel with two dogs and a cat. I tried to contact my insurance company adjuster and he is out on vacation. In addition three weeks ago said he was sending us a check to purchase a motor home to live in. Have never received a check. I actually have asked this similar question about a month ago and never got a response. HELP! Thanks

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.