When your home or condo building is damaged by a hurricane, tornado, or severe storm, your insurance payout should cover what it actually costs to fix it — not just what’s convenient for your insurer’s bottom line. Yet time and time again, Florida homeowners, HOAs, and COAs come to us with estimates that don’t even come close to real repair costs.

If you suspect your claim was lowballed, you’re not alone — and you don’t have to accept it.

Here’s what to know and how to fight back.