I see your pun, headline. But yeah, home insurance is bonkers and $$ in FL, and even if you do everything right, it’s very hard to sue the insurance companies for denying your claim because of the deals FL made with the companies to even get them to write business there.*

Brb, gathering sources

https://www.nbcnews.com/business/consumer/hurricane-milton-helene-insurance-nightmares-torment-florida-residents-rcna175088

https://printylawfirm.com/new-florida-law-makes-it-harder-to-sue-insurance-companies-for-bad-faith/