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Florida homeowners experience insurance ‘nightmare’ following consecutive hurricanes


Bridgette Bello, a Florida resident, thought she was properly protected against hurricanes with flood insurance, a hurricane-specific policy, and homeowners coverage. However, after Hurricane Helene and Hurricane Milton hit, she faced delays and denials on her damage claims, calling the situation an “insurance nightmare.”

Insurance companies are treating the two storms as separate events, complicating the claims process for those hit by both. In addition, reforms in Florida have limited policyholders’ legal recourse to challenge insurance decisions. Many residents affected by the storms faced total financial loss due to flooding, a type of damage not covered by most homeowners insurance policies.

The storms have caused significant challenges for insurance companies in determining what damage is due to flooding versus wind-driven rain. Victims without flood insurance face financial hardship, with many unable to afford rebuilding their homes. Even those with flood insurance may find themselves facing financial calamity, as the coverage is limited and may not cover all losses.

Residents like Patti Drew, who do not have insurance, are left with few options for financial assistance. Even those with flood insurance may not receive enough coverage to rebuild their homes fully. The situation has prompted calls for more comprehensive insurance reforms in Florida, with some officials acknowledging the need for drastic changes to better protect residents in the face of future hurricanes.

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www.nbcnews.com

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