How Florida let a top insurer abandon homeowners in their time of greatest need

Updated August 6, 2023 at 11:18 a.m. EDT|Published August 4, 2023 at 8:43 a.m. EDT
A pile of debris remains just steps from the beach in Fort Myers Beach, Fla., almost nine months after Hurricane Ian ravaged the area. (Thomas Simonetti for The Washington Post)
24 min

NORTH PORT, Fla. — Every week or so, Edward Raggie walks through his front door and enters a painful, infuriating time warp.

Everything looks exactly the way it did that day in December, when he and his wife, Joanne Ragge, hastily packed up their Hurricane Ian-battered home after learning that dangerous mold had spread behind their white ceilings and bright blue walls. Their roof still leaks, its protective tarp peeling from the hot sun. Inside, brown insulation from the gaping hole in their ceiling pools on their swollen, lifted floors. Boxes of their family photos and belongings, stacked haphazardly, are still waiting to be moved out of the living room’s dank, musty air.

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