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A beach house stands damaged after Hurricane Michael hit in Mexico Beach, Florida, U.S. on Oct. 11, 2018. Photo: Zack Wittman/Bloomberg. A beach house stands damaged after Hurricane Michael hit in Mexico Beach, Florida, U.S. on Oct. 11, 2018. (Photo: Zack Wittman/Bloomberg.)

Every time Santa Rosa Beach restoration contractor Ken Larsen submits a request for payment, he braces himself. It’s always a fight, Larsen says, that rumbles for weeks, months, years, catapulting between 40% and 80% of his annual earnings into limbo.

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