Superstorm Sandy Superstorm Sandy
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
FEMA's Appeals Process Favored Insurance Companies Almost Every Time
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
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
A firefighter on Friday sprays water on a hot spot at the scene of a massive fire that destroyed dozens of businesses along the Jersey Shore boardwalk. Spencer Platt/Getty Images hide caption
She's open for visitors again. Reena Rose Sibayan /The Jersey Journal/Landov hide caption
Floodwaters from Superstorm Sandy destroyed the first floor of this house in Staten Island, New York. Most of the people who drowned during the storm died in their homes in low-lying areas of New York and New Jersey. Paul J. Richards/AFP/Getty Images hide caption
An aerial view shows an entire neighborhood destroyed by Monday's tornado in Moore, Okla. Tony Gutierrez/AP hide caption
In this Jan. 18 photo provided by the NYU Langone Medical Center, a technician examines mice to determine their health at the hospital's complex in New York. New York University/AP hide caption
Oct. 31, 2012: Some of the destruction caused by Hurricane Sandy in Seaside Heights, N.J. Steve Nesius /Reuters /Landov hide caption
An orange clownfish named Marlin searches for his son in an ocean full of perils in the Disney/Pixar film Finding Nemo. Pixar Animation Studios/AP hide caption
When Superstorm Sandy came ashore, Bellevue Hospital was quickly submerged. Inspectors from the Federal Emergency Management Agency marked the flood line in the basement with orange tape or spray paint. In some areas, water was 14 feet deep. Fred Mogul/NPR hide caption
Superstorm Sandy swept through the Breezy Point neighborhood of Queens, N.Y., in late October. In late November, this sign symbolized the hope of homeowners that help would be coming soon. Eric Thayer /Reuters /Landov hide caption
Nov. 6: Some of the damage from Superstorm Sandy on New York's Staten Island. Paul J. Richards/AFP/Getty Images hide caption