Doug Quinn's ranch house in Toms River, N.J., was heavily damaged by flooding during Hurricane Sandy. His insurance company gave him half the value of his home and when he appealed, FEMA sided with the insurance company. Hansi Lo Wang/NPR hide caption

itoggle caption Hansi Lo Wang/NPR

A worker shovels muck out of a home in Longport, N.J., after Superstorm Sandy in 2012. Federal regulators say homeowners will be able to challenge insurance payouts they believe shortchanged them. Patrick Semansky/AP hide caption

itoggle caption Patrick Semansky/AP

Kathy Hanlon and her sons, Sergio (left) and Cristian, were traumatized by Superstorm Sandy. Hanlon says her flood insurance company made life after Sandy even more horrible Charles Lane/NPR hide caption

itoggle caption Charles Lane/NPR

Dan and Eileen Stapleton in front of their post-Sandy home in Long Beach, N.Y. They say it would cost taxpayers less if insurance just settled their claim. Charles Lane/WSHU hide caption

itoggle caption Charles Lane/WSHU

Artists' renderings of New Meadowland show how the wetland would be designed for human recreational use as well as flood control. The berm shown would be a path through the park when water was low (left). When storms came in, the wetlands would flood, and the berm would protect local development. Courtesy of New Meadowlands hide caption

itoggle caption Courtesy of New Meadowlands

Senate Majority Leader Harry Reid (D-NV) at the Capitol last week. Chip Somodevilla/Getty Images hide caption

itoggle caption Chip Somodevilla/Getty Images