Florida homeowners insured by Citizens Property Insurance Corp.—the state’s insurer of last resort—are discovering that challenging a property insurance claim denial is an uphill battle. Recent investigations show that Citizens has routed more than 1,500 disputes into a mandatory arbitration system where it wins over 90% of final hearings.

Texas homeowners are facing yet another hurdle in the state’s insurance crisis. In May, Lemonade announced it would no longer sell new home and condo policies in 12 counties.

Windstorm insurance protects homeowners against wind-related damage from events like hurricanes, tornadoes, hailstorms, high-speed winds, and derechos. Coverage may vary considerably depending on your state, region, or insurer.