The Betancourts bought their home in 1986. They were on the verge of paying off their mortgage in 2005 when a series of health emergencies shattered their hopes of owning their home outright. Mallory Yu/NPR hide caption

toggle caption
Mallory Yu/NPR

For The Black Middle Class, Housing Crisis And History Collude To Dash Dreams

  • Download
  • <iframe src="https://www.npr.org/player/embed/492251653/492443281" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

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

toggle caption
Hansi Lo Wang/NPR

FEMA's Appeals Process Favored Insurance Companies Almost Every Time

  • Download
  • <iframe src="https://www.npr.org/player/embed/392795828/393403248" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

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

toggle caption
Charles Lane/NPR

Superstorm Sandy Victims Say FEMA's Role Is Fatally Conflicted

  • Download
  • <iframe src="https://www.npr.org/player/embed/387938654/387985154" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

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

toggle caption
Charles Lane/WSHU

After Sandy: Insurance Claim Battles Cost Homeowners, Taxpayers

  • Download
  • <iframe src="https://www.npr.org/player/embed/385992207/387017076" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript

Mel Watt, director of the Federal Housing Finance Agency, says many homeowners who could qualify to refinance their mortgages under HARP are suspicious. Jacquelyn Martin/AP hide caption

toggle caption
Jacquelyn Martin/AP

Many Homeowners Still Qualify For Mortgage Relief

  • Download
  • <iframe src="https://www.npr.org/player/embed/343212645/343352150" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript