Bruce Hickey, 70, walks along the waterfront, now littered with debris including shrimp boats, in the mobile home park where he and his wife, Kathy, have a winter home on San Carlos Island, Fort Myers Beach, Fla., on Oct. 5, 2022, one week after the passage of Hurricane Ian. Bruce Hickey, 70, walks along the waterfront, now littered with debris including shrimp boats, in the mobile home park where he and his wife, Kathy, have a winter home on San Carlos Island, Fort Myers Beach, Fla., on Oct. 5, 2022, one week after the passage of Hurricane Ian. (Photo: Rebecca Blackwell/AP)

On September 28, 2022, Hurricane Ian made landfall on the west coast of Florida near Fort Myers Beach as a Category 4 storm. Ian was estimated to be almost 500 miles wide, with an eye 40 miles across and sustained winds of 150 mph at landfall. In Florida alone, over 708,255 first-party property claims have been reported with reserves reaching almost $14 billion. In addition to delivering strong winds, this storm also slammed Florida with a catastrophic storm surge

While hurricane losses are often complex, this event was especially complex for three reasons:

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