In the aftermath of Hurricanes Helene and Milton, Florida residents are struggling to navigate the complex insurance claims process amidst widespread destruction. Helene, a Category 4 storm, resulted in at least 246 fatalities and left extensive damage, while Milton, a Category 3 storm, followed shortly after, causing further devastation and prompting over 100,000 claims. The combined insured losses from both hurricanes are expected to reach up to $55 billion, with many homeowners concerned about coverage limitations. Federal disaster relief has been approved for affected areas, including Palm Beach County, providing aid for personal losses and infrastructure recovery. Experts emphasize the importance of timely claims filing and proper documentation, cautioning homeowners against signing away their rights to unlicensed contractors. The insurance landscape is under pressure, particularly for newer companies, as losses mount from these major weather events.