Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. While practicing insurance regulatory law and representing clients in litigation matters, she co-founded United Policyholders in 1991. Bach migrated from the private practice of law in 2005 to become the organization’s full-time 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 legal and consumer publications including “The Disaster Recovery Handbook,” “WISE UP: The Savvy Consumer’s Guide to Buying Insurance,” and tips and guides in the UP Claim Help Library. Recognized by Money Magazine as a Money Hero, Bach has served as an official consumer representative to the National Association of Insurance Commissioners since 2009 and is in her second term as an appointed member of the Federal Advisory Committee on Insurance. She also currently serves on the American Bar Association’s Standing Committee on Disaster Preparedness and Response.
Aloha My ohana lost our home in the Lahaina fires on August 8th. Our insurance company has been pretty good, for the most part and we have already received 100% of our coverage A “Dwelling.” However, they are “nickel & diming” us on our contents…
Home decorator needed for replacement and sourcing the furnishings after a massive fire event of a 4,000 sf custom home. Are the services of a home decorator covered under the insurance policy?
I’m the owner of a property in Lahaina, the town that was devastated by the Maui Wildfire in August. My property, a townhouse, is still standing, but there is smoke damages to the interior, which requires deep cleaning for the wall, carpet and furniture, such…
Aloha, our house on burned down to the ground on 8/8/23 during the Maui Lahaina wildfire; our insurance has so far played nice; but I’m finding it difficult to interpret the different coverages incl. the policy states that we need notify the insurance after a…
I am living in Florida and my business and home was hit from Hurricane Ian. I have renters insurance and from the very beginning they have tried to deny the claim without ever speaking to me or even coming to look at my place or…
I am receiving LTD benefits due to my Parkinson’s disease and I also have a disabled son. My son is over 18 with Down’s syndrome, so he is receiving Social Security (SS) benefits due to his disability. Can the LTD insurance company offset my LTD…
When my insurance agent measured my property nine years ago for homeowners coverage she over-measured which caused an overpayment of 15%. When the error was discovered prior to renewal I was issued a refund. Am I entitled to a refund for the previous eight years?…
I had smoke damage only in the Marshall Fire. Insurance paid for the cleaning which of course is less than the cost basis of the house. Insurance also paid to replace mattresses. As I understand it due to the DR classification for the Marshall fire,…
Hi, Thanks for your answer to my evacuation question, and for further clarification, our home is in the CZU fire area. Our property was not burned, but we were evacuated for weeks. We have had many subsequent evacuations due to threat of landslide. We have…
I was issued a check by the Fire Victim Trust and never received it. Later I got a communication from the FVT that my check and 4 other people had their checks stolen and wrongfully cashed. For over 3 months I have been communicating with…
Is an adjuster authorized to overrule the mailing address of an insurance policy without the policyholder’s consent? My insured object is non residential so all checks and paperwork needs to be sent to my residential mailing address as indicated on the policy. My adjuster however…
I just filed a storm claim in July of 2022 with my insurance company. They put the date of loss as June of 2020. My contractor has been working since then but with labor and material shortages he has just now completed all the work.…
We received 2 insurance claim checks totaling $47,914.39. As instructed by our mortgage company, LoanCare,LLC, I cosigned the checks and overnighted them on December 23, 2022 with all receipts for materials and work completed to that point. They said they would have to send an…
I purchased my home in September 2022. Excited that I have finally got to a place in my life I could purchase a home, and it being the first home I ever purchased, I was checking the boxes with what was needed. I got insurance!…
Hello- we lost our home in the Marshall Fire. The one year anniversary is approaching and a recent email sent by the city implied that there may be a one-year limit to suing your agent for underinsurance. We are severely underinsured with a new policy…