After Superstorm Sandy in 2012, Kathy Hanlon's life crumbled. Her Long Beach, N.Y., home had no electricity, her family was traumatized and one of her sons was getting sick. On top of that, there was the bureaucratic maze of flood insurance.
"I cried many times because I was so angry when I got off the phone with the insurance company," Hanlon says. "It was demeaning. We had to send them things repeatedly. We had to wait for phone calls. We had to wait for people to come visit the house."