The hurricane's financial damage could top $34 billion, according to Moody's.

The volume of insurance-carrier lawsuits is down in the Sunshine State.

If an association doesn't initiate inspections, they could be liable for negligence or criminal charges.

"The people who need help the most that are going to be the most hurt," said Miami litigator Oliver Birman, describing the consequences of a tort reform measure enacted in March.

Law firm Morgan & Morgan is calling on all its lawyers to not give 'an inch to carriers ever again' during legal proceedings.