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

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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

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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

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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