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Amy Bach
Amy Bach

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.

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  • Questions(0)
  • Answers(44)
CA Fair Plan – damage vs cleaning for Insulation

Thank you so much for everything you are doing to support those of us impacted by the LA Wildfires. I have a few questions related to the CA FAIR Plan coverage, separating into individual questions so others can find if it pertains to them. While…

Amy Bach answered 4 months ago • Coverage Question • California
143 views1 answers
Non-Renewal Because Refused Property Photos

My carrier Lemonade wanted me to take dozens of photos of the interior and exterior of my house as a condition of renewal. I declined in part because of privacy and security concerns with submitting photos of a fully furnished interior home (with artwork, etc).…

David Boohaker answered 7 months ago • Cancellation / Non-Renewal • Georgia
1414 views2 answers
what insurers are writing new policies in california?

I recently received a non-renewal notice from Farmers for my home in Ojai Valley, California. I am in a fire hazard area designated as “very high.” My agent said she would try to find alternative coverage. I also telephoned agents from other insurance companies, and…

Amy Bach answered 7 months ago • Coverage Question • California
483 views1 answers
New Insurance coverage denied

I recently received a letter of denial from an Insurance company. I am looking for new homeowners insurance. The reason I was denied was I had Hail Damage in 2020. I was told that part of the criteria to issue new policies is no claims…

Amy Bach answered 11 months ago • Coverage Question • Texas
565 views1 answers
Application of Cal. Code Regs. tit. 10 § 2632.13 & Cal Code 2070-2071 to out of state accidents for insured in California

Does Cal Code 2070-2071 apply to disclosures for auto accidents? Does Cal. Code Regs. tit. 10 § 2632.13 pose jurisdiction for a California insured person in out of state accidents?

Amy Bach answered 11 months ago • Coverage Question • California
2273 views1 answers
Lost jewelry

I requested replacement for a large amount of lost jewelry. My insurance company wants to make a cash settlement based on the 2017 appraisal value. They are not willing to reproduce the items. I would not be able to purchase the same/similar item today due…

Amy Bach answered 11 months ago • Underinsurance • Maryland
526 views1 answers
Closed Contract Issue

I am a home owner who lost his home due to a fire in March 2022. The house is currently being built by a contractor who I signed a closed contract with. I’ve been having difficulties with my contractor due to the financial limitations given…

Amy Bach answered 11 months ago • Rebuilding • New Jersey
534 views1 answers
Duplicate Flood Insurance Policies Failure To Refund

Hi, First of all, thank you in advance for your help regarding this matter. I’ve been fighting this for about 2 months now, and any advice is greatly appreciated. To sum up, in 2022, I contacted my insurance agent to cancel flood insurance for a…

Karl Susman answered 1 year ago • Cancellation / Non-Renewal • California
3255 views2 answers
Coastal Properties insurance hikes

We have a coastal property in Fort Morgan, AL (Gulf Shores). Our insurance assessments went from $2,300 in 2022 to $5,500 in 2023 to estimated $6,800 in 2024. We have not flooded in that area and have been told it is not likely we will…

Amy Bach answered 1 year ago • Coverage Question • Alabama
432 views1 answers
Lahaina Fire

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…

Amy Bach answered 1 year ago • Coverage Question • Hawaii
664 views2 answers
Home Decorator Services

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?

Amy Bach answered 2 years ago • Coverage Question • Texas
551 views1 answers
Maui Wildfire: Coverage for owner’s personal content in a rental property

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…

Amy Bach answered 2 years ago • Claim Denial • Hawaii
549 views1 answers
House burned, underinsured – remodeled without notifying insurance.

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…

Amy Bach answered 2 years ago • Coverage Question • Hawaii
517 views1 answers
insurance company not responding

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…

Amy Bach answered 2 years ago • Coverage Question • Florida
774 views1 answers
LTD Offet Issue

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…

United Policyholders answered 2 years ago • Coverage Question • Arizona
724 views2 answers
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