In the aftermath of Hurricane Maria, Jonathan Gonzalez saw firsthand the failures of both disaster response systems and the traditional insurance industry. After spending over a year and a half navigating an ultimately unsuccessful insurance claim for his mother, he decided to take action. That experience led him to found Raincoat, a company building the technology to power faster, smarter, and better insurance for disaster recovery. We sat down with Jonathan to talk about his journey, the role of AI in transforming disaster insurance, and the unique challenges of building a startup from Puerto Rico.