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Sandy was the storm that landed in Brigantine, canceled Halloween 2012 in New Jersey, and sunk coastal residents into a nightmare of repetitive paperwork, confounding state bureaucracy, financial insecurity, and stress. Legal settlements refocused state aid on Sandy-impacted areas and the needs of low-income people, and addressed bureaucratic snafus — but not until 2014.Billions in disaster-relief aid — in grants administered by the state as well as flood insurance payouts — came to the state after the hurricane. Interviews with survivors, advocates, and government officials show the pattern: Settlements from the National Flood Insurance Program were far less than needed, rehabilitating or rebuilding homes was much more expensive than hoped, the bureaucracy was bewildering, unscrupulous contractors took advantage of people’s plight — and through it all they had to continue paying mortgages and rent. “The delay has meant there are people who were basically permanently displaced,” said Adam Gordon, of the Cherry Hill-based Fair Share Housing Center, which won the landmark decision against the state.As of Monday, FEMA had settled 17,212 of those claims.About 84 percent of homeowners received additional payments. In all, FEMA has proposed 0 million in additional payouts to New Jersey policyholders. Kevin Sullivan, a FEMA spokesman, said the review was “an extraordinary effort” and voluntarily initiated by the agency.

I stay where I can.” Sometimes, the only place she can stay is in that well-loaded car. Since this year’s storms, battle-scarred Sandy groups are commiserating with Houstonites on the social-media site. What can be learned from the maddening maze that resulted after nearly .2 billion in federal funds was shoehorned into a state administrative model that dates to the Ford administration? At a recent Sandy resource fair — the state’s 13th such event — she was filling out affordable-housing applications. “The grant is a joke and our mortgage company bought us flood insurance [that was] not FEMA-approved,” Patti Varallo, whose tidy Ventnor Heights home is still not finished, wrote on Facebook.takes time,” she wrote in an emailed response to questions.“Congress recognized this when it gave New Jersey and other states battered by Sandy until 2022 to spend [Community Development Block Grant] Disaster Recovery funds.” In the state’s signature — and stress-inducing — Rehabilitation, Reconstruction, Elevation, and Mitigation (RREM) program, nearly 5 million, about 92 percent, of allocated grants have been disbursed, she says.It was the state’s job to disburse the billions that flowed in from the federal government to those Sandy homeowners who needed help beyond their means and insurance.