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.
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
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