Hurricanes Helene and Milton have devastated the southeastern U.S., leaving millions of homeowners and business owners to navigate the challenging insurance claims process in order to rebuild their lives. Helene, a Category 4 storm, resulted in at least 246 fatalities, making it the deadliest hurricane to impact the U.S. mainland since Hurricane Katrina, while Hurricane Milton further compounded the destruction with 11 additional deaths. Risk management analysts estimate that the total insured losses could reach around $55 billion. Many individuals, such as Rhoda Moehring, express frustration and lack of confidence in their insurance coverage, often discovering their policies do not cover expected damages. Experts emphasize the emotional toll these disasters take, as survivors grapple with trauma while also facing the daunting task of financial recovery and insurance claims. The long-term recovery process will require not only financial support but also emotional and legal guidance for those affected.