Hurricane Sandy- Almost three years later (NJ)

I traveled to Long Beach Island, NJ in March 2015. It was surprising to me to see how many homes are still under repair since the hurricane of October, 2012. I was told that too many people are in dispute with their insurance companies.  The companies claim the damage was due to flooding which is not covered under many policies.  The home owners claim  rain and winds caused so much of this damage.  And so there houses sit, broken, vacate and vulnerable to the next storm.