Jasmine Gutierrez faced the same challenge many felt following hurricanes Helene and Milton. Thousands of dollars worth of repairs were needed after her roof was damaged.

As a townhome owner, she handles all indoor repairs, but roof repairs are the responsibility of her HOA.

"Because of the damage, I wasn't able to sleep in that room because that whole room had to be gutted, and there are other areas here where I lost ceilings, floors, walls, that sort of thing, so I was displaced," says Gutierrez.

The roof was eventually patched, and her home was remodeled. But during the spring, the patch started showing issues.

"I even brought in somebody and introduced them to the board, gave the proposals for the roofs to be replaced, and gave that proposal to the board. I even confirmed with the

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