Residents across Florida continue to face significant challenges amidst an ongoing insurance crisis, a concern that intensifies with the onset of hurricane season.
In North Port, Craig Lipaj is nearing the completion of his bathroom remodeling, a project necessitated by roof damage from Hurricane Ian. His ordeal with insurance negotiations finally resulted in a roof replacement, though the process consumed a daunting year and a half.
“We’re almost there, hopefully within a month,” Lipaj remarked. “But it’s been nearly two years, and the next cycle is upon us.”
Similar stories abound in Lipaj’s neighborhood, where many homes are only now undergoing repairs after prolonged battles with insurers.
“For anyone dealing with a claim, it’s a struggle,” Lipaj emphasized. “You brace yourself for a year or even two, and some are still waiting.”
Federal officials have recently warned Floridians to brace for an exceptionally active hurricane season. NOAA’s projections for the 2024 Atlantic hurricane season indicate an 85% likelihood of above-average activity.
Lisa Miller, an insurance consultant at Lisa Miller & Associates, highlighted ongoing challenges: “Contractor shortages, supply chain disruptions, and disputes with insurers have left over 54,000 storm-related claims unresolved.”
Adding to homeowners’ anxieties are recent legislative changes. A December 2022 law now mandates claimants to cover their own attorney’s fees, erasing previous protections for successful litigants.
As Florida navigates these complexities, homeowners like Lipaj remain cautiously optimistic but keenly aware of the hurdles ahead in safeguarding their properties against the unpredictable forces of nature.
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