Before Hurricane Matthew I had a beautiful home on the Halifax River in South Daytona. I was required to have Flood Insurance which was sold to me by Brightway Insurance. I was assured my home and property was covered in the case of a disaster. The hurricane hit, my roof, chimney cap was damaged, water come in through both, water forced its way through my doors, windows, sliding glass doors by wind and flood. I had to evacuate and was told that I had Loss of Use coverage to protect me while my home was unfit to live in. Atleast that was what I was told by Brightway Ins and Florida Peninsula, up to $23, 700. They told me to secure a place to live while my home was being restored. I did just that, had to pay prerent, which was nonrefundable for a furnished apt. When I submitted the claim to Florida Peninsula they denied due to groundwater in the home. I had water in the home from many reasons, they chose to split hairs on the type of water to exclude me from Loss of Use and throw it in Fema's lap. Fema wont pay it because I have home insurance and flood insurance. Flood insurance will cover my lower kitchen cabinets and outside condenser of my air conditioner unit but not the upper cabinets even though they sit In my home with ensuing water damage due to water intrusion, wicking, humidity, mold, mildew and moisture for 14 days because I was told by the adjusters not to touch or remove anything until they took first hand pictures of the damage. I have a restoration company who's hands are tied due to the insurance stalls and denials. Even though we have a letter from a HVAC air conditioner expert stating you have to replace a damaged unit as a unit by code, they insurance companies are denying responsibility and wont pay for the unit. So I'm out an air and heating unit to keep my home fit to live in. I'm out upper cabinets for my kitchen. I'm out Loss of Use Additional Expenses and will be homeless at the end of the month even though I paid insurance premiums that promised I was protected from a Disaster. Fema wont help, Brightway insurance, Florida Peninsula, First Community Flood could careless, why not they have been paid their premiums. That leaves me that's out $35, 000 that I had before the storm, now I'm broke. Is this how someone who has served his country, someone who's busted his ### to raise and family and retired thinking live will be good should be treated? I don't believe so.