Truthfully, we asked Amy Bach of United Policyholders to help request an immediate extension. As the oldest and largest non-profit organization dedicated solely to advocating for policyholders, she has a lot of pull and respectful working relationships with those administrating the National Flood Program.

We also reached out to John Marini of Adjusters International. John and others in his organization help government entities making FEMA Disaster Grant Claims. They have many long-term relationships with FEMA administrators and they also requested an immediate extension. Many do not realize that local governments also must make claims just like anybody else. The Merlin Law Group assisted 23 New Jersey municipal governments with their claims following Superstorm Sandy.

Hopefully, flood claims will be paid without the unprecedented problems which happened after Superstorm Sandy. Merlin Law Group attorney Rene Sigman played a significant role at the crucial hearing uncovering the fraudulent engineering reports which plagued the Superstorm Sandy flood claim process.

  • rogerpoe


    The FEMA response should also be a strong reminder to All Insurance Companies, their Agents, their Insurance Adjusters, and their Attorneys, that the Federal Insurance Office “…is authorized to receive and collect data and information on the insurance industry…” – NAIC

    It appears that – Even private individuals (directly or indirectly) negatively affected financially by ANY Insurance Industry actor’s illicit market conduct, can provide ‘Data and Information on the Insurance Industry’ to Federal Insurance Office officials..accordingly.

    To you, and All others that made this extension happen – Thank you so much for your efforts.

    • Chip Merlin


      I think the management of FEMA wants to do the right thing. The problem is that they get criticized for paying too much, like in Katrina. Then, they make new management rules which lead to much tougher and too low adjustments we found in Superstorm Sandy. Hopefully, people will get paid quickly and for the full amount in Texas, Louisiana and soon to be Florida flood claims.

  • Amy Bach

    Chip – Keeping you and your invaluable team in our hearts with Irma threatening and your office in the mandatory evac zone. Thank you for being such a dedicated and effective advocate for policyholders and a long time partner and UP supporter.