It has taken a village to help Vernita Tillman regain normalcy.
Up until last year, the 62-year-old lived in her west Orlando home for 22 years with little trouble, but Hurricane Ian changed that.
The heavy rains caused severe damage to her home鈥檚 roof and drywall. Tillman said she filed a claim with her insurance company of over 20 years, but to no avail.
鈥淚 showed them this water spot (in the ceiling) and my concern of, you know, 鈥業s this going to come through?鈥� And they said it just wasn鈥檛 enough,鈥� she said.
According to Tillman, the adjuster advised her the damages were not enough to merit the use of insurance. That was the first and only claim she would ever file with that company 鈥� they not only denied her claim but also dropped her as a policyholder.
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After that visit, the water spot Tillman referenced had to be patched. That part of the roof did indeed 鈥渃ome through,鈥� as she had suggested. She said she was grateful the bed was not directly underneath the hole when it happened.
Tillman, who lives on disability income, said she couldn鈥檛 afford the repairs. When she later became the legal guardian of her three grandchildren, however, her urgency grew. In order to keep the children from ending up in foster care, she needed to provide suitable housing.
鈥淚 struggle with being strong for all of them. There are so many of us out here trying to keep our families together, and more families would be (together) if they would have support,鈥� she said.
She said she managed to put enough money together for the materials to fix the drywall, and while her neighbors kindly took care of the labor, it was going to take more than that. For Tillman, fixing her home meant keeping her family together.
The need is great
This week marked a year since the passing of Hurricane Ian, a storm that wreaked havoc in Florida, taking nearly 150 lives and leaving over $112 billion in damages. A from the National Hurricane Center showed Ian holds the record as the costliest storm in Florida history, third-costliest in the U.S.
In Central Florida, it was flooding which caused the most damage. Now, a year later, and already deep into a new storm season, . Hundreds of thousands of homeowners like Tillman have had to foot their own repairs.
In June, the Florida Office of Insurance Regulation Hurricane Ian resulted in more than 700,000 insurance claims statewide. While some claims remain open, over 86% of them have been closed, and nearly 200,000 of them were closed without payment.
, a Tampa-based nonprofit aimed at making homes safe and habitable again after disasters, stepped up to help Floridians rebuild. According to the organization, they have helped 606 homeowners across the state affected by Ian and have another 74 projects currently in the works.
Molly Hill, program manager for Rebuilding Together in Central Florida, said Tillman鈥檚 case is not uncommon.
鈥淚f you drive around, and you look at the number of homes that still have tarps on their roofs, I think that alone tells you that we鈥檙e not 100% recovered from Ian. It鈥檚 going to take a lot of time. That, to me, represents the number of families in need,鈥� Hill said.
According to Hill, money is the biggest roadblock preventing a full rehabilitation from Ian. In many cases, she said, unattended small problems can get expensive. When Tillman鈥檚 water spot was ignored, the roof caved in, allowing water to come in and damage the floor.
鈥淲hen homeowners can鈥檛 fix those smaller problems, and if the insurance denies it, and then a homeowner doesn鈥檛 have the funds to fix it, then it can snowball out of control and lead to something bigger. And that鈥檚 when we鈥檙e able to step in,鈥� Hill said.
Even with the help of community, Hill said, Tillman was exhausting her resources. The drywall was fixed but not finished, and with three grandchildren multiplying the love in the home, the money was going toward food, clothes, and school supplies 鈥� not house repairs.
鈥淢s. Tillman represents a group of underserved people who go above and beyond for their family, who just need a little help to make ends come together, make ends meet,鈥� Hill said. 鈥淚t鈥檚 not cosmetic or about being aesthetically pleasing. It鈥檚 about being safe.鈥�
Once Tillman was connected with Rebuilding Together and qualified for assistance, the organization sprung into action. Hill said they've been able to fix the roof and replace her floor. Their next mission is to fix the ceiling, finish the walls, and replace the doors.
Lots of moving parts
Rebuilding Together is able to do this work through grants and donor contributions. Since 2015, , based in Miami Lakes, has been a partner.
According to Claire Raley, the community development officer at the institution, Bank United provides grants, as well as resources like time, connections, and volunteers. She said the work done by Rebuilding Together is critical to maintaining existing housing.
鈥淲e talk about the housing crisis, looking to add more units, but we could be losing units as we add them. So, making sure families can get back in their homes after disaster recovery, and ensuring these homes are safe, is also important to the (housing) ecosystem,鈥� Raley said.
This extensive network of support has become necessary. , yet many have had their claims denied, .
"Property insurance does not pay for flood damage. It is one of the biggest misconceptions in the country, and that appears to be certainly the majority of the problem claims that we鈥檙e hearing about."Mark Friedlander, director of corporate communications at Florida鈥檚 Insurance Information Institute
Mark Friedlander, director of corporate communications at Florida鈥檚 Insurance Information Institute, weighed in. He said that while the insurance market has been unstable, there are also a lot of misconceptions among homeowners 鈥� starting with what is and isn鈥檛 covered.
For example, he said, many people don鈥檛 know flood protection is purchased through FEMA, separate from private home insurance. Also, it is common to see people who don鈥檛 purchase flood insurance because their property is not in a flood zone.
鈥淧roperty insurance does not pay for flood damage. It is one of the biggest misconceptions in the country, and that appears to be certainly the majority of the problem claims that we鈥檙e hearing about,鈥� he said.
Even with flood insurance, Friedlander said, there is the matter of meeting deductibles, which are much higher for hurricane-related claims.
鈥淪ay, their hurricane deductible is $25,000, the damage is $20,000 鈥� there鈥檚 no payout. That happened to homeowners (after Ian) as well,鈥� he said. 鈥淢any homeowners had high deductibles because hurricane deductibles are separate from your standard property policy deductible.鈥�
Friedlander said he can鈥檛 speak for every case, such as Tillman鈥檚, and that there are times when policyholders are right. However, he said, there鈥檚 a difference between not understanding the policy and an insurer not fulfilling their obligation.
鈥淭here鈥檚 just a lot of education here, and we always suggest: talk to your insurance agent, so you clearly understand what your coverages, what your deductibles are, what you鈥檙e responsible for in a loss,鈥� Friedlander said.
Building more than homes
Back at Tillman鈥檚 house, the work is coming along. Tillman said she loved the new floor and how it gives the place 鈥渁 new look鈥� that got her excited about the progress.
Hill said seeing progress in the home is great, but seeing it in people is her favorite part.
鈥淚t feels amazing to see someone who just needs some help, who鈥檚 just feeling down on their luck, and to see that progression 鈥� that person, go from feeling defeated to feeling empowered, to feeling excited, happy and safe in their home鈥� That鈥檚 the progression we really like to see,鈥� she said.
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Tillman is resilient. She said she鈥檚 grateful for the help she has received from her community and has faith it will all work out.
When she鈥檚 in a better spot, she said, she plans to pay it forward.
鈥淲hen you do things for other people from your heart and not look for something in return, that's when you get your blessings,鈥� she said. 鈥淚 want to give back.鈥�
Her vision is to park a food trailer at school events, she said, so that busy moms lacking means, getting off work and rushing to show up for their children, can get relief and grab a bite to eat. In honor of her Polk County roots, she said the trailer will be called Country Gal.
Lillian Hern谩ndez Caraballo is a Report for America Corps Member.
Copyright 2023 WMFE.
