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Luke Sharrett/Bloomberg via Getty Images(NEW YORK) When Harry and Jen Appel lost their home in Big Pine Key, Florida, to Hurricane Irma in 2017, they thought their insurance policies would cover the cost to repair and they d rebuild in the same location. The couple showed ABC News meteorologist Rob Marciano the spot where their home used to be, now an empty lot covered in sea lavender and some shards of their former life. "If we would have got paid by insurance the right amount of money, it would have been a you would have been standing in a new house," Harry Appel said. "Insurance was tough that was worse than a storm." In September 2017, Hurricane Irma barrelled across the Atlantic with winds reaching 185 miles per hour the strongest hurricane ever recorded in the Atlantic Ocean, according to the National Oceanic and Atmospheric Administration. The Category 4 storm ravaged the Appel s dream home, along with much of the region, leaving those hit hardest

United statesBig pine keyDistrict of columbiaUniversity of miamiRob marcianoAtlantic oceanTammy guilloryJim donelonCharles guilloryJen appelHarry appelMichael coxNational oceanicInsurance information instituteNational flood insurance programLouisiana department of insurance