How having flood insurance hurt one Central Florida man impacted by Hurricane Ian

SEMINOLE COUNTY, Fla. — A Seminole County man whose home is flooded like so many following Hurricane Ian has learned that having flood insurance is actually hurting his family in the short term.


Don Fox’s home is right off the shores of Lake Jesup in Oviedo near the 417, and he’s unable to get housing assistance from FEMA.

Insurance adjusters can’t make it to his house that is surrounded by water. FEMA officials said they can’t help him with emergency housing until an adjuster can look at his damage.

READ: Tropical Storm Karl forms, remains no threat to Florida

Fox estimates about 9 inches of water are in his home.

Chris Cury with the Florida Association of Public Insurance Adjusters said, typically, insurance companies have 90 days from the time of claim to come up with an estimate or some kind of coverage decision.

“Nobody has the resources to deal with the volume of issues that we’re seeing in (Florida) now,” Cury said.

READ: Orange County leaders discuss plans to fix Orlo Vista flooding issues

Fox is now trying to figure out where he’ll live. If he didn’t have flood insurance, he said he would have already been eligible for housing assistance.

“It could be a while, and so I’m not eligible for FEMA assistance until they get in there, which doesn’t make sense to me,” Fox said.

READ: Hurricane Ian: Here’s how you can donate baby supplies to Florida families in need

Click here to download the free WFTV news and weather apps, click here to download the WFTV Now app for your smart TV and click here to stream Channel 9 Eyewitness News live.

Jeff Deal

Jeff Deal, WFTV.com

I joined the Eyewitness News team as a reporter in 2006.

Adam Poulisse, WFTV.com

Adam Poulisse joined WFTV in November 2019.