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Sandy victim claims government was unprepared for storm

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    Insurance process adds insult to injury?

  • Duration 4:19
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Thanks -- -- Obama taking time to visit the victims of hurricane sandy yesterday some of them heading into week three without power.

Without -- I promised everybody.

Bad.

I was speaking on behalf of the country when I said we are going to be here until the rebuilding its complete.

And I meant to.

So I'm -- a comeback today but I'm also going to be coming back in the future to make sure that we have followed through.

On that commitment.

But what's the plan and that was Staten Island he's been to New Jersey and let's see if he makes it to Long Island is the government really doing enough.

To get these folks back on their feet -- as someone who's living through it right now.

Mike cherish -- is from Oceanside new York and like you just telling me when we really -- -- by the show.

That you were in your basement trying to save stuff up until the what it was up to your -- That's right the water came up about sixty in our basement plus an additional five feet outside.

We tried to save everything we could my wife and a mother in law we lost over Christmas decorations -- my sports memorabilia collection.

High school yearbooks college your books and the -- have to my -- I was trying to save sandbags and actually gone under -- because when Irene came we maybe had an inch and small area.

Sandbags placed around the furnace I had to go underwater pass them up to my wife my mother law hoping that -- wouldn't get to the first floor.

But everything underneath was ruined the electrical furnaces the washer dryer but when I saw the oil tanker turnover in the basement thank god it didn't reach I decide it was time -- basement -- up.

I would take so most people would've been in the basement and I so this happened three weeks goes by one thing -- did it really hurt you guys.

Is the trash in the street and the fact that your kids were home from school for two and a half weeks.

And that's with basically they had that's their play -- That to me was -- -- outside of the the power company like that is totally being on the disaster on communicated that without a plan without a plan didn't know what was happening in the fact that we went ten days before the trash was picked up.

A total disaster in communication between the the town.

The town of Hempstead ocean side in Nassau County.

You've got to remember you had spoiled food that was outside in garbage bags you had -- homes with mildew and sheet rock sitting out there.

Warner being pumped onto the streets from all flooded houses and where they -- supposed to go.

They're out on their base -- on the front lawn you can't give them the attention need to give them because you're trying to basically do whatever repairs you can buy.

I lucked out because of -- -- ten or Sybase sanitation tourists who come by three or four times a day.

Because everybody was -- their houses.

You say that now you have flood insurance you're the lucky ones because -- -- calling us up and I got called to.

Good news -- -- -- flood zone anymore if you want to dump that most -- second save some money adopted.

You held onto it.

They birdie evaluate your house now were you concerned about well.

I recently found out that he'll be four to six weeks that I get the actual check through the national flood policy and that's -- not going to be till January.

Meanwhile I'm fronting all the money out to by the contractors and you become your own general contractor when something like this happens scrambled to find everyone for debris removal that's nutrition to -- The new -- I found at this week is at the check is above a certain threshold.

It's made -- -- yourself in the bank.

The bank takes control money places an escrow they send out an inspector and you have to go to the bank to forget the funds you pay that myself or the contractors that's another headache I don't want to deal.

You realize what the issue's going to be surely contract to say you gotta pay me I don't care about your little problem with the banking with federal flood insurance.

And you're gonna have that stress of -- wait a second -- I live in my house.

When I can't get any work done because -- country visibly the money's coming through and even -- -- private flood insurance is sold on to a net.

-- program exactly and there's so many people have spoken to -- she thought.

That their homeowner's policy.

Will cover what happened and homeowners excludes -- so I encourage anyone.

To really take a look at your policies and make sure that if you don't have flood and it even if it's not required by the bank to get it I complaint for ten years I had to carry flood insurance.

It was 700 dollars for Katrina I'm not paying 2000 dollars -- years 2000 a year is the best investment I mean it.

Absolutely and -- who continue to watch your situation because -- got -- -- the second floor of the house last night.

Problem is it was eighty degrees because there was some problem with your -- But you'll take it my catcher -- thanks so much of Oceanside -- -- -- -- the president will show up we hope so.

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