YES. Take the time to read the wording of the specific exclusion the adjuster is relying on. Make sure to read the whole policy and whatever brochures or sales materials you can get your hands on. You may find words that show they promised or owe more benefits than they're offering. Insurance policies are contracts written by insurance company lawyers. Doesn't it make sense to get legal advice for yourself before taking the insurance company's word that you're not covered? You can use legal advice and arguments to convince your insurance company to change its position without getting involved in a lawsuit. Get together with neighbors and others in your situation. Find home videos taken of the storm that show the wind that came first. Pool your money and hire a “forensics" engineer who's experienced in evaluating hurricane damage. If the engineer concludes that wind or another covered “peril" was a triggering cause in your neighborhood, present the information to your insurance company and don't take no for an answer. Follow United Policyholders claim tips by keeping a claim diary, staying organized, writing to higher-ups in the company, and getting help from your state Insurance Commissioner's office. Don't take “no" for an answer until you've run out of options and that won't be for a long, long time. Although you may feel discouraged and in no mood for fighting, it doesn't make economic sense to take “no" for an answer from your insurance company this soon in the process. Your fellow Americans, elected officials and the media are paying attention to how insurance companies are treating Katrina and Rita survivors. That pressure will help you get a fair shake. It's still very early in the process – way too early to under-settle your claim. Before you give up or agree to take less than you need to repair/rebuild, it can't hurt to get advice from an attorney. Just make sure it's an attorney who has already had experience representing property owners on insurance matters.