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Ken Meister stands in the wreckage of his home, half of which collapsed when the beach below and the dunes in front were swept away following the passage of Nicole, Friday, Nov. 11, 2022, in Wilbur-By-The-Sea, Fla. Meister said he had applied for a permit to build a permanent seawall after the beachfront was damaged by Hurricane Ian in late September, but the permit had not yet been granted. (AP Photo/Rebecca Blackwell)