The Letter That Started the Fight
On January 24, 2025, United States Senator Josh Hawley of Missouri, Chairman of the Senate Subcommittee on Disaster Management, wrote to insurance companies about their handling of claims from Hurricanes Helene and Milton. The letter cited widespread reports that some companies, “seizing the opportunity to limit their own liabilities,” were engaged in a pattern of denying homeowner insurance claims after the storms.
The Three Questions Insurers Were Asked
- How many insurance claims, brought by homeowners in the wake of Hurricanes Helene and Milton, has your company denied?
- On what grounds were these claims denied? Please provide an itemized breakdown.
- What is your average response time when customers submit a claim after a disaster?
Why This Matters to Isaias Policyholders
In October 2026, Senator Hawley joined Senator Elizabeth Warren in writing to six major insurers about claims closed without any payment at all. Two storm seasons, the same senator, the same unanswered question.
For Florida policyholders filing Hurricane Isaias claims today, the lesson is direct. A denial or a zero-dollar closure is a documented national pattern, not a personal failure. What protects a claim is a record: photograph everything before cleanup, keep every letter the carrier sends, and watch the Florida deadlines.
If your Isaias claim has been denied, delayed, or closed without payment, get a free claim review: call 800.511.2240.