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.
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…
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?
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…
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…
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…
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…
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…
