Hurrican Irene dld over $15k of damage to my 4 year old condo, yet I was denied coverage by the Master policy and my homeowners policy, What can I do?

When it comes to fighting insurance companies for coverage involving major disasters likes hurricanes, it really is best to seek out a local attorney who practices insurance law or insurance bad faith.  They will be able to read through your entire policies and see if they can find coverage.  Also, an attorney may have other cases similar to yours.  In our area, attorneys and residents dealt with a lot of these issues after Hurricane Katrina and understand your frustration.  Check out this case:  http://courts.ms.gov/Images/Opinions/CO58302.pdf I do recommend seeking out the help of a local attorney who practices in this area.  However, you may have the right to appeal their denial. Read closely their letter denying your claim as it may say something about appealing the denial.  This usually must be done within a certain time frame.  Pay attention and be sure to appeal if you have that option but have not yet done so.  In the appeal letter be sure to explain why you believe you deserve coverage (cite the policy language if possible) and explain the damages and that you believe the inspection was inadequate.   If you have appealed and are denied again (which is likely to happen, unfortunately) or if there are no appeal options or you have exhausted all options, I do recommend contacting a lawyer for further assistance.  Dealing with insurance companies can be a very daunting task.  Gather all correspondence from your insurance company and the policies.  Take pictures of damage and document everything. Good luck! NOTE:  This response is general in nature and should  not be considered legal advice.  No attorney-client relationship exists or is formed by this information.