Insurers are dealing with more than 1.5 million claims from hurricanes Charley, Frances, Ivan and Jeanne.
But industry experts say they've been handling the claims quickly -- thanks to a huge effort to tackle claims, better technology and higher premiums.
Bill Bailey of the Hurricane Insurance Information Center says that compared to Andrew 12 years ago, things are going smoothly. More than 15,000 adjusters were sent out to help Florida cope with claims -- and most of them were brought in from out of state.
Ray Davidson is an adjuster from the insurer, The Hartford. He says that because of laptop computers and wireless service, adjusters were able to help homeowners get help fast.
Insurers also used aerial photography to make damage estimates. And even though streets were a mess, adjusters got to homes quickly because of satellite technology.
Bailey also credits state lawmakers with speeding up help for homeowners. Legislators improved insurance regulations after Andrew.