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Letters: Insurance issues remain post-Sandy

A sign counting the days since superstorm Sandy,

A sign counting the days since superstorm Sandy, which destroyed 30 homes in Ocean Breeze, rests on the front of a trailer serving as a temporary storage area on Quincy Avenue near Staten Island's southeastern shore in New York. (Oct. 2, 2013) Credit: AP

Superstorm Sandy left so much devastation, and flood insurance has been the only remedy for many homeowners ["Push for aid on flood insurance," News, Jan. 8].

Now, with this program $24 billion in debt, Sens. Kirsten Gillibrand and Charles Schumer (D-N.Y.) are resisting efforts to raise rates for this coverage to properly reflect the risk it covers and make the program sustainable. The Homeowner Flood Insurance Affordability Act, which they support, is intended to offset flood-insurance rate hikes to help homeowners with waterfront property.

If the homeowners who choose to reside in flood zones don't pay an adequate premium, then taxpayers will be forced to foot the bill. When will we as a society be held responsible for our choices?

If I decide to move to Manhattan and maintain a car, but can't afford the auto insurance, should I ask the senators to support an Automobile Insurance Affordability Act?

Robert Biancardi, Valley Stream

I appreciate your coverage of those of us who are still not home since superstorm Sandy ["After Sandy: Rules for rebuilding," News, Jan. 13].

My house in Freeport was flooded, with structural damage from the storms Irene and Sandy. We received a loan from the Small Business Administration after Irene. After Sandy, which destroyed my home and our cars with unprecedented flooding, the Federal Emergency Management Agency and the SBA would not help us. My insurance company stated that the home's foundation was damaged because the earth moved, not that the house moved.

I am grateful for the New York Rising Housing Recovery Program. However, despite passing all verifications and receiving an award from New York Rising, my assistance to rebuild has not arrived.

I cannot keep living like this. We need continued coverage by the media and pressure on officials so we are not forgotten.

We cannot stay suspended in helplessness. Paying a mortgage and not living in the house cannot continue.

The real problem is why, if I paid for insurance, did I not get my full coverage? I should be on my way to repairing my home already.

Ann-Marie Farrell, Lynbrook