My home was damaged in Hurricane Milton. I was shocked at how fast FEMA sent me $9,200 after I applied.

My home was damaged in Hurricane Milton. I was shocked at how fast FEMA sent me $9,200 after I applied.

Getty Images/Jeff Greenberg

This as-told-to essay is based on a conversation with Rick Shiver, a 72-year-old retired firefighter in Port Orange, part of the Daytona Beach metropolitan area on Florida's Atlantic Coast. The following conversation has been edited for length and clarity.

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