Florida homeowners continue to struggle with their losses in the aftermath of Hurricane Michael. According to the state's Office of Insurance Regulation, losses covered by insurance are greater than $6.65 billion. The October 2018 storm led to the filing of 147,877 insurance claims. Nearly 15% of these claims remain open. The storm hit land in Mexico Beach and caused severe damage throughout Northwest Florida. Rated as a Category 5 hurricane, Michael destroyed homes, businesses, public lands and government facilities. Many people continue to rely on temporary housing or shelter and have not yet experienced the full restoration of utilities and services.

In particularly hard-hit areas, many children remain away from school as they have been displaced elsewhere by the effects of the storm. This is especially true for residents whose homeowners' insurance claims have not yet been paid. Despite the well-documented devastation caused by Hurricane Michael, some people continue to deal with insurance companies denying or delaying their claims. They may face skepticism about estimates or even denial of coverage for the types of hurricane damage that they have suffered. Given that nearly 15% of all claims remain open, there are a significant number of people waiting for much-needed payments.

Bay County was the source of the largest number of hurricane damage claims, as 88,692 were filed there. In Jackson County, 13,958 claims were filed, while in Leon County, there were 10,125 claims. Insurance claims for hurricane damage were also filed in other counties, including Gulf, Gadsden, Calhoun, Washington, Franklin, Wakulla, Liberty, and Holmes.

Homeowners pay their insurance premiums faithfully to make sure they are protected in the case of a tragic event. However, many still struggle to obtain the hurricane damage payouts they need. An insurance law attorney might help Florida residents whose homeowners' insurance claims have been delayed or denied in bad faith through the filing of a lawsuit as well as a complaint with the Florida Office of Insurance Regulation.

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