CNNMoney:  “When Roman and Marianna Bediner's Staten Island, N.Y., home was clobbered by Superstorm Sandy they took some comfort in knowing that it was insured. But a few days later, when they learned that their coverage would pay for only a fraction of the $75,000 to $100,000 needed to put the house back together again, that feeling evaporated.” http://money.cnn.com/2012/11/12/pf/insurance/sandy-flood-insurance/index.html?iid=SF_PF_Lead