When Hurricane Michael struck the Panhandle of Florida last October, Keith and Susan Koppelman were huddled in the bathroom of their small, two-bedroom rental trailer just north of Panama City.
"When the winds came we both started praying," says Keith, 49. "I thought, 'Oh my God, this is a big storm.' "
After four hours, they finally emerged to survey the damage. The storm's 160-mile-per-hour winds had torn off the porch and peeled away the trailer's tin siding.