Nearly eight months after Hurricane Ian ravaged Southwest Florida, some homeowners say their insurance company won’t pay for the full cost of repairs and they are left with no option but to sue. “This is the shell of our beautiful home… last year after the hurricane,” Sherry McBride said with a shaky voice as she stood next to her husband, Jim. “We are in our 70s. He’s a Vietnam veteran, and we’re hurting right now.”