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.
The estimate from my insurance company is very low, and doesn’t cover the lanai knee wall. The estimate I got from a contractor was $13,000 to replace windows, rebuild the knee wall and the front door to the lanai. How can I get work done…
I have quite a bit of damage from Hurricane Ian to my house. I filed a claim with my insurance company and filed a claim with FEMA already. My insurance company sent me a letter earlier this year saying they were not going to renew…
My 75′ tree fell on my garage and bedroom because of Ian. There are holes in both areas, causing water damage in the bedroom ceiling. My insurance company asked me if the damage is caused by wind, water, or both. I am afraid that if…
Hello, We lost our home in the 2021 California Caldor Fire and have decided to pursue a replacement home in another location. Our insurance company will release funds to replace, but our mortgage company is telling us that they won’t release the funds they are…
We live in Louisville and are very confident our windows were compromised in the fire. We had Pella come out to determine if the damage was caused by the fire, but Allstate, our insurance company, did not accept their insight. When insurance sent their industrial…
My home burned in the Marshall Wildland Fire. We have USAA insurance. The City of Louisville is allowing us to opt out of the 2021 IECC building code and downgrade to the 2018 IECC standard. My question is whether the insurance companies will pay building…
Our home was totally lost to the Colorado Marshall Fire on 12.30.2021. We were advised by our Safeco/Liberty Mutual adjuster that we needed to obtain an “as-was bid with code upgrades broken out separately” and submit that bid to that same Safeco/Liberty Mutual adjuster, so…
Can you get paid mileage for checking on your home while it is being rebuilt?
I have a fire claim from the Creek Fire and Skirball fire with State Farm. I submitted my claim and the carrier gave me an estimate that was low. After I couldn’t get them to pay more, I tried to invoke the appraisal clause in…
I lost my house in the Tubb’s Fire and I am just now getting final numbers on the rebuild cost. In 2013 my neighbors house caught on fire and damaged several of our separate structures and garage. At the time I was underinsured in my…
Post Tubbs Fire in 2017, we relocated to Florence, OR. State Farm is paying for our rental house, rental furniture and part of our utilities and mileage since moving here in July 2018, while we look to buy a house in a very tight market.…
