Storm season is here—and if you think a little wind or hail means a brand-new roof, you might be in for a rude awakening.

In this episode of Insurance Gone Wild, Dennis and Stephanie break down what really happens when storms hit your home, your car, and your insurance policy. From wind vs. hail claims to the frustrating truth about partial roof replacements, they unpack the biggest misconceptions homeowners have during storm season.

They also dive into why your neighbor getting a new roof means absolutely nothing for your claim, how cheap shingles can cost you thousands later, and why flood risk is way more common than you think—even in the middle of the city.

Plus, they cover real-world scenarios like lightning strikes on vehicles, wind-blown debris damage, and the one thing you should always prioritize over your property when things go sideways.

If you own a home, a car, or frankly… anything—this episode will save you headaches, money, and possibly a massive insurance mistake.

⏱️ Chapters

00:00:00 – Storm Season Is Here (And It’s Worse Than You Think)

00:06:01 – Why Wind Damage Rarely Means a Full Roof Replacement

00:10:08 – The Truth About Wind-Blown Rain (And What’s Not Covered)

00:11:22 – Your Neighbor’s Claim Means Nothing for You

00:14:07 – Tree Damage, Bad Faith Claims & Avoiding Disaster

00:17:05 – What Actually Counts as Auto Insurance Coverage in Storms

00:21:31 – Cheap Shingles = Expensive Problems Later

00:24:07 – Flood Zones Aren’t Where You Think They Are

00:27:19 – You Can’t Stop Water… So What Do You Do?

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Most business owners think they’re covered… until they’re not.
In this episode of Insurance Gone Wild, Dennis and Stephanie pull back the curtain on the wild world of commercial insurance—and yeah… it’s worse than you think.
We’re talking:
A jiu-jitsu gym classified as a building materials dealer (??)
A 24-hour restaurant with zero liquor liability
Claims that were approved… then mysteriously “disappeared”
And business owners paying for policies that basically protect… nothing
The scary part?
None of these people knew anything was wrong.
This episode is part horror story, part masterclass—breaking down how bad classifications, lazy agents, and blind trust can cost you everything.
And if you’re a business owner thinking “that would never happen to me”…
you might want to double-check your policy after this one.
⏱️ Chapters
00:00 – “Is Insurance… Insured?” (Welcome to the Chaos)
00:05:34 – The Restaurant That Had Coverage… But Not Really
00:10:19 – The $94K Claim That Got Buried (Yes, Seriously)
00:17:18 – Why You Can’t Just Trust Your Agent
00:24:42 – When Cheap Insurance Gets Very Expensive
Email: Contact@IGWpodcast.com
Facebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!
Panatela Group: https://panatelagroup.com/
Call: 817-753-0093

What do a comedian, a fake deer accident, and a totaled car have in common?

Apparently… a masterclass in what not to do with your insurance claim.

In this episode of Insurance Gone Wild, Dennis and Stephanie break down a viral comedy bit that raises a very real question:

👉 Could you actually fool an insurance company with a “creative” claim?

From staged deer collisions (yes… involving venison 😳) to real-life stories of swerving for animals and totaling cars, this episode walks the fine line between hilarious and highly illegal.

Along the way, you’ll learn:

Why insurance companies care more about what you hit than why you swerved

The difference between comprehensive vs. collision coverage (and why it matters more than you think)

What a “phantom vehicle” is—and why it rarely works in your favor

And why honesty in a claim might save you a LOT more than a clever story ever could

Bottom line:

It might sound genius… until it turns into fraud.

🎧 Hit play for laughs, real talk, and the kind of insurance advice you didn’t know you needed.

⏱️ Chapters

00:00 – Lighting Problems & Studio Chaos

00:02:29 – The Viral “Fake Deer” Insurance Story

00:05:35 – Swerving vs. Hitting: What Insurance Actually Wants

00:09:36 – Phantom Vehicles & Who’s Really at Fault

00:18:40 – Fraud Stories That (Shockingly) Got Paid

00:24:34 – Commercials, Confusion & Classic Banter

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093