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Luke Sharrett/Bloomberg via Getty Images(NEW YORK) -- When Harry and Jen Appel lost their home in Big Pine Key, Florida, to Hurricane Irma in 2017, they thought their insurance policies would cover the cost to repair and they'd rebuild in the same location. The couple showed ABC News' meteorologist Rob Marciano the spot where their home used to be, now an empty lot covered in sea lavender and some shards of their former life. "If we would have got paid by insurance the right amount of money, it would have been a you would have been standing in a new house," Harry Appel said. "In...

Luke Sharrett/Bloomberg via Getty Images(NEW YORK) -- When Harry and Jen Appel lost their home in Big Pine Key, Florida, to Hurricane Irma in 2017, they thought their insurance policies would cover the cost to repair and they'd rebuild in the same location. The couple showed ABC News' meteorologist Rob Marciano the spot where their home used to be, now an empty lot covered in sea lavender and some shards of their former life. "If we would have got paid by insurance the right amount of money, it would have been a you would have been standing in a new house," Harry Appel said. "In...

Luke Sharrett/Bloomberg via Getty Images(NEW YORK) -- When Harry and Jen Appel lost their home in Big Pine Key, Florida, to Hurricane Irma in 2017, they thought their insurance policies would cover the cost to repair and they'd rebuild in the same location. The couple showed ABC News' meteorologist Rob Marciano the spot where their home used to be, now an empty lot covered in sea lavender and some shards of their former life. "If we would have got paid by insurance the right amount of money, it would have been a you would have been standing in a new house," Harry Appel said. "In...

Luke Sharrett/Bloomberg via Getty Images(NEW YORK) -- When Harry and Jen Appel lost their home in Big Pine Key, Florida, to Hurricane Irma in 2017, they thought their insurance policies would cover the cost to repair and they'd rebuild in the same location. The couple showed ABC News' meteorologist Rob Marciano the spot where their home used to be, now an empty lot covered in sea lavender and some shards of their former life. "If we would have got paid by insurance the right amount of money, it would have been a you would have been standing in a new house," Harry Appel said. "In...

Luke Sharrett/Bloomberg via Getty Images(NEW YORK) -- When Harry and Jen Appel lost their home in Big Pine Key, Florida, to Hurricane Irma in 2017, they thought their insurance policies would cover the cost to repair and they'd rebuild in the same loca...