FORT MYERS BEACH, Fla. — Today marks six months since Hurricane Ian devastated southwest Florida.

The category 4 storm killed 160 people and is ranked as the third costliest hurricane on record, causing $113 billion in damage.

Fort Myers Beach is still struggling to rebound and Florida's property insurance crisis is making recovery even tougher.

It's a Florida homeowner's nightmare and a real scenario playing out for thousands of people in southwest Florida right now.

State data shows that of the more than 700,000 insurance claims from Hurricane Ian, roughly a third have been rejected or remain unpaid. That is despite the fact that insurance companies in Florida are supposed to settle claims within a 90-day window.

That window closed in December and yet people are still in limbo.

On Fort Myers Beach, where 97% of the structures on the island were damaged, people's lives are on hold.

Many are living in RV's on their property, waiting for insurance pay-outs. And for some, they have received their insurance check, but it doesn't cover their losses.

"I cried a lot because it's nothing like the same," said Ollie Curran, a Fort Myers Beach resident. 

Curran has lived in one of the oldest homes on Fort Myers Beach, built back in 1913. It's seen its share of storms, but Hurricane Ian almost did it in. 

"The roof (blew) away all in different pieces and so we have the blue tarp and we're just waiting on the money from the insurance," she said.

Althought she can't move back in yet, Curran considers herself lucky. The empty lost next door is where her neighbor's house was blown away. 

Curran says her house was saved by its good bones. 

"Old Cyprus and Florida Pine," she said. "So it's here. The foundation is great. It's very strong."

The first floor was gutted and the roof, siding and windows are blown away — an estimated $200,000 in damage. 

Insurance paid $68,000.

"We probably need another 150 thousand dollars to get this all finished and done the way it was," Curran said. "We pay a lot of money for the insurance for 47 years, have not collected one penny for anything ever since we've been here. Forty-seven. And now that we need it, we need more money."

Curran has pictures of the house before Hurricane Ian and she says she's very thankful the storm didn't ruin the pictures of herson, who passed away a few years ago.

She wants to move back into this home full of memories, but simply can't afford to make the necessary repairs. And now she can't get any answers from the insurance company.

"We didn't have any luck just talking to them and they stopped even answering the phones. They don't answer the phones at all anymore," Curran said.

For now, Curran does what she can, like fixing her son's memory garden.

"I'm a person full of hope. I never lose hope," she said.

She's hired a public adjuster to try to get more insurance money. But six months after Ian, Curran believes it will take a higher power to finally be made whole.

"God almighty is my shepard and on him, I rely," she said. 

The Office of Insurance Regulation and the CFO's office are investigating reports of people being shortchanged and unlawfully dropped from their carriers

There are also criminal investigations underway into reports of fraud. 

Anyone with a complaint against their insurance company should call the Office of Insurance Regulation, at (877) 693-5236 or email at Consumer.Services@Myfloridacfo.com.