(Bloomberg) -- Hurricane Irma’s westward shift willprobably inflict heightened damage on people and businesses unableto adjust to its new path in time, while the storm fuels floods that many insurance policies don’tcover.

Along Florida’s west coast — now in the direct path of thestorm — many residents thought they would avoid the worst ofit, and then found themselves with too little time to fullyprepare, according to Duncan Ellis, the U.S. property practiceleader at Marsh & McLennanCos.’ main brokerage unit.

Turn to left caused a scramble

Such was the scene near the waterfront in Tampa as the winds beganto pick up. On Harbour Island late Saturday, condo resident MontyGawel said he was only able to fill three sandbags, using dirt froma planter. While the 50-year-old intended to stay, a number of hisneighbors were fleeing.

Nearby, some shops lining Garrison Channel were protected onlyby a single line of sandbags, just one sack high. Their glasswindows and doors remained uncovered.

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