A self-employed couple lost their home and livelihoods in Hurricane Helene. Their home insurance doesn't come close to enabling them to rebuild their lives.

A self-employed couple lost their home and livelihoods in Hurricane Helene. Their home insurance doesn't come close to enabling them to rebuild their lives.

Andrew Marsh

On the morning of Friday, September 27, Andrew Marsh and Lindsay Thomas were at their home — one of a few lodges scattered along a winding mountain road in Marion, North Carolina — drinking coffee with two neighbors and waiting for Hurricane Helene to pass.

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