New York Rising is a Scam

As most people who know me are aware, my house, on Long Island’s south shore, suffered heavy flooding on October 29, 2012 as a result of Hurricane Sandy, when the water level of a nearby bay rose several feet above its historic high and filled my house up like a bucket. My house was not in a flood plain – even today it’s not considered a flood risk according to the latest maps – so we didn’t have flood insurance.

We stayed as long as we could, and planned to ride out the entire storm in our house, but once water started pouring down the driveway and filling up our garage and first level (finished living space) we decided to vacate. We spent the night at a friend’s house, far from the water.

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The driveway, which slopes down from the street to the first level.
The next morning, I drove back to my house to check out the damage. There was about a foot of water still in the house, but the high water mark inside the house showed it had gotten to about 40 inches – level with the street outside. Everything downstairs was ruined. Washer, dryer, fridge, boiler, water heater, couches, TVs, video game systems, computers – the lower level was a living area, bathroom and our home office. Everything had been submerged in brackish water from the bay.

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I went back to the house where we’d spent the night, and as soon as President Obama declared an emergency, I logged onto FEMA’s website and requested aid. The details of the next few days are murky in my mind almost 5 years later, but the inspector came on Halloween. We received some emergency money from FEMA relatively quickly, which let us get heat and hot water back once the power was restored, but it was well below the cap of $31,000, and far short of what we’d need to get everything fixed and replace what we’d lost.

I should add that our homeowner’s insurance explicitly didn’t cover any flood-related damage, and as I said above, the area had never flooded before and is even today not considered a flood risk.

We were without power for 9 days, which we spent hauling waterlogged stuff out of the basement and onto the curb. It was depressing work, but since there was no power at home or at work (in lower Manhattan at the time) it at least gave us something to do. Our lifeline to the rest of the world was our iPhones, which we charged using solar chargers we’d picked up at a county fair the previous year. In hindsight, we were lucky it was a warm few days, since we had no heat.

I had some contractors come by and asked them to give quotes to repair the damage. Since hundreds, maybe thousands of houses in my area had been damaged by the storm it was really difficult to get anyone even to return our call. We finally had three different contractors come by, and they gave verbal quotes ranging from $40,000 to $80,000, but each of them refused to give a written quote unless we agreed to hire them first. This seemed backwards, and frankly shady, but it was their market and they had hundreds of other jobs they could do.

We went back and forth with FEMA about increasing their award but they refused. Ultimately they directed us to the Small Business Administration about getting a loan. We really didn’t want to take out a loan, but on November 22nd I filled out the application beginning the months-long process of securing a disaster relief loan.

At some point, New York Governor Andrew Cuomo put together the New York Rising program to handle disbursement of federal funds for storm recovery. Going through my email history, I applied for this program on September 16th, 2013. On October 12, 2013, I received a letter from New York Rising informing me of my award of $193,728.73. We were pretty excited, as this meant we wouldn’t need to move forward with the SBA loan, and could use grant money for the repairs. By this point we had settled on a contractor, one who had been highly recommended by friends and had no problem getting all necessary permits, inspections, and most importantly, doing everything to town code. We were told he was very good, but also expensive, and his quote was over $80,000. We informed SBA we wouldn’t be moving forward with the loan since the NY Rising grant would more than cover the repair cost.

Several months passed and we didn’t hear anything from NY Rising, until February 7, 2014, when I received an email from NY Rising informing me of my award in the amount of $16,633.30. This was confusing, so I called our NY Rising rep to ask if this was in addition to the $193,728. She informed me that the $193,728 was “a mistake” and I should ignore that letter. NY Rising estimated that my total project cost should be $36,362.91. I was shocked. That amount was lower than the lowest quote I had received. I asked repeatedly for further explanation but never got one, and eventually they stopped returning my phone calls. I ended up actually receiving $12,689 from NY Rising – 75% of the $16,633.30 they gave me in their “revised” award.

In the end, I secured the SBA loan and the repair began on March 15, 2015 – two and a half years after the storm. The work was completed that July. The final bill for the repair and replacing furniture and appliances inside was well over $100,000, which I’ll be paying off over the next 27 years. The lower level is nice, and it’s nice to have that half of the house back after having been crammed into the upstairs for two years. But most importantly, as part of the rebuild, we filled in the driveway. Prior to Sandy, the driveway sloped down from the street level to the garage, which was what made the flood so disastrous for us in the first place. With the driveway filled in, another similar flood shouldn’t affect us so badly.

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That’s not the end of the story, however. On Feb 21, 2017, I received a letter from NY Rising informing me that because I had received an SBA loan in the amount of $117,543.20, and their estimated cost for the repair was $36,362.91, the entire amount they had given me was considered “duplication of benefits” and I had to repay the $12,689 I had received.

I called the latest NY Rising representative assigned to my case and asked about this and was told that I was free to appeal the decision. I sent in my appeal on March 30, 2017, explaining that the repair cost well over $100,000 and their original estimate of $36,000 was absurd. I also explained that filling in the driveway alone cost over $10,000, and it would have been foolish to do any repairs at all without filling in the driveway, as it would just leave us open to flooding again in the future.

I received a letter on April 19, 2017, informing me that my appeal was denied:

The Governor’s Office of Storm Recovery’s (GOSR) NY Rising Reconciliation Evaluation Team met on April 18, 2017 to review the appeal received on March 30, 2017. After careful consideration, your appeal is denied.

When you applied to the Program for assistance, an Inspector came to the damaged property address to calculate the extent of the damage to the property from the storm. The total of this amount was the Total Project Cost and is reflected above as $36,030.74. Subsequently, your Total Project Cost increased to add an additional design allowance for work completed prior to inspection. Your Reconciled Total Project Cost is $36,362.91. The documentation submitted with your appeal was reviewed and it was determined that even if all of the repairs in your contractor’s estimate were Program‐eligible, the total DOB funds you received would still exceed your Total Project Cost. Your current Total Project Cost includes a 10% design allowance to cover expenses such as architect’s fees. Additionally, content, such as furniture and personal property, and driveway repairs are not eligible for Program funds.

Since receiving that letter I’ve contacted every elected official I can think of, from federal through county representatives, and received responses from Congresswoman Kathleen Rice’s office and Senator Kirsten Gillibrand’s office. However, I have little expectation anything will change before NY Rising puts the account into collection, as they’ve threatened to do with each letter.

I hope that by writing and sharing my experience, others who have had similar issues with NY Rising changing their award amounts out from under them repeatedly, and ultimately demanding money back that was used to repair their homes, as it was originally intended, will similarly speak out and convince Governor Cuomo to stop this recapture program.

 

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52 Replies to “New York Rising is a Scam”

  1. I hope more people come forward to help right the wrong that is happening to you guys. Good luck with everything.

  2. Unfortunately you’re going to have to go to a higher court. Drop the furniture and driveway part, don’t give them any single part they can counter or explain away, focus on what they said they would cover, those actual costs for the prices you paid and the letters they sent promising you a certain level of aide for those pieces.
    I would sue on false information based on the original estimate they gave you and include any cost from having lost access to 1/2 your house for 2+ years as well as emotional stress from dealing with their bullshit as well as harassment. Unfortunately $12k isn’t worth that hassle but until someone takes a stand in that way they’re just not going to care. The fact is they have jerked you around for 3 years, giving you 2 letters of differing amounts from the amount they eventually awarded you and that you made plans based upon and after all of that demand it back. It’s beyond fraud, it’s negligence that has lead to extreme stress on your part.

  3. I received my NY Rising “Final Award” amount to elevate my house nearly two years ago. I finished the project in September 2016. However, because the Town of Hempstead was slow to issue the COO I did not get the final payments from NY Rising.

    Last month, out of nowhere, I get a letter saying they reduced my award by $20K (so instead of owing me $12K, I owed $7K). The reason give was my contractor filed for some cost overruns and that entitled NY Rising to reevaluate my award under their current standards. My position is that the “Final Award” should not change based on changes to policies after it is determined.

    I have appealed this decision and I’m awaiting a reply. However, my contractor is owed by me on the full amount of the award no matter whether its reduced under my contract. Crazy!!

    I’ve written to Gov. Cuomo and Todd Kaminsky. Kaminsky was responsive but he people say a lot of people are in the same boat.

  4. We have lost our battle to pay back the $66,000 we were given by NY Rising. Our story is very different—but i have rock solid proof that the money is not a dupliction of benefits, however, after 2 years of fighting, the breakup of my marriage and being forced to sell the house we have run our of options and money to fight them. It is an aboslute horror show and Gov Cuomo could care less. 😦

  5. DISABLED due to Storm & NOW THIS!!! I am JUST about to start my “FIGHT” as I didn’t realize everything would escalate so quickly to now Attorney letters and threats. My life is STILL deemed a disaster because every day is a reminder of Hurricane Sandy because I FELL THROUGH my rotted floor, into the 3 ft crawl space, severely damaging my hip, back and YES, my head. I live in pain 24/7, walk with assistance from multiple devices and have suffered seizures due to my head. I am now on Disability, ane Sandy because I FELL THROUGH my rotted floor, into the 3 ft crawl space, severely damaging my hip, back and YES, my head. I live in pain 24/7, walk with assistance from multiple devices and have suffered seizures due to my head. I am now on Disability, after once being a quite successful businesswoman( & single Mom for 25 years of 4 children, with no support!!) in Financial Sales. My mostly ranch-style home (I have 2 small bedrooms upstairs, with doggie-dormer windows & slanted ceilings, where the original cape-style “Summer” home, built in 1944 in Suffolk County-South Shore, & is also where 6 people lived for a year following the storm while repairs were done downstairs, including myself, my live-in boyfriend, my incredible now 11yo nephew I have had custody of since his birth, and then my now 32-year-old son, who moved back home from California, with his family,-his GF & her daughter he is helping to raise-, to help his Mother, out of pure love) also had 3-4 Ft of water with Homeowners Ins & Flood Ins. My issue lies with the foundation, the entire under-belly & supports for the house. Neither Ins covered it. This was found out after multiple people & then an engineer from the Ins Co. came out, and I too after giving ALL amounts of monies upfront, that I was receiving, to NY Rising, was given a $ amount and then check for $51K for the “Repairs”/ items (the foundation and other various repairs-ALL DOCUMENTED) NOT listed on the Ins Companies line-by-line accounting. My sister is on my Mortgage due to when the Recession hit, and I had to refinance because I had then taken a Massive hit to my Salary. Let me also mention that I also moved my father into my wrecked home with no sheetrock on the walls & plywood floors, to become his caregiver, within the 1st year after the storm, right before I succumbed to my injury after he was given 3 WEEKS to LIVE due to Cancer. God, the amazing Dr, all of us in the house, & his incredible WILL to LIVE helped him to live and give us another 3 years with him. As you can see I have & am STILL living through all this, now diagnosed with PTSD, and this CRAP is TRULY ruining my Life!! I am going to have to pull all the strength I have now to FIGHT these BASTARDS that have been threatening me with “Re-Capture” of ALL the MONIES. I am a very intelligent woman and I KNOW I know HOW to DO this, but I NEED HELP. If any of you are going through this as I know a lot of you are, then E-Mail me at “Geminifni@gmail.com” and we will FIGHT the GOOD FIGHT together because this is pure insanity…and also what is going to happen to those affected by “Harvey” & “Irma” if we can get the word out now, as it is happening to us & once “Katrina” victims. I want to hear from ALL the way up to President Trump, Ben Carson & others to find out if they know what is going on. I can DO that….. Thank you for your attention to this….With LOVE, Gina in Babylon – GEMINIFNI@GMAIL.COM

  6. Hi Evan,
    Can you give us a status update of your appeal?
    I’d recommend you request to broaden your scope of work to include items that may not have otherwise been initially included in your Repair ECR. This can offset the amount which NYR is attempting to recapture.
    Good luck,
    Beth

    1. We are also going through the same claw back problem with ny rising. Rices office was totally useless and waiting to hear back from schumers office. Has anyone reached out to an attorney to see if there is a class action suit to be brought? How can there not be a statute of limitation on what they can do five years later? They are incredibly incompetent, amoral and useless. They caused and created the issues and now we suffer

  7. We are also going through the same claw back problem with ny rising. Rices office was totally useless and waiting to hear back from schemers office. Has anyone reached out to an attorney to see if there is a class action suit to be brought? How can there not be a statute of limitation on what they can do five years later? They are incredibly incompetent, amoral and useless. They caused and created the issues and now we suffer

  8. One of the problems with an appeal is that there doesn’t seem to be any checks and balances in play. They do not appear to have an outside independent group handling the appeal process, it’s all internal ny rising people which means it’s in their best interests to deny any appeal. Total conflict of interest

  9. Thank you all for sharing!
    Your personal disaster stories are validating and very similar to ours.
    The system seems to be set up to collect funds regardless of the circumstances.
    NYRISING is a government sponsored scam preying on survivors of Super Storm Sandy.
    They have us all over a barrel because when we were extremely vulnerable we submitted copies of many personal documents, financials, SS#, bank accounts, insurance documents etc.
    They have the means to intimidate individuals to pay back monies that were used to restore damaged homes and properties. This is an abusive tactic on their part, adding insult to injury.
    We have a better chance to appeal if we stand together to face these bullies.
    I’ve been considering a class action lawsuit. Any suggestions? I would be open to pursue that path before considering how to pay back money already spent.
    My heart goes out to all of you. We had 5ft of water on the 1st floor and no power till Thanksgiving. It was brutal and now they want money back, what vultures!

    1. Wow, I had no idea there were others in the same hopeless/ridiculous situation as me and my 86 year-old mother, who owns the property where the damage occurred. I think a class action lawsuit is the best idea I have heard. How can we band together to get this going?? I am definitely interested/

  10. Me too, I am all for a class action lawsuit. Unfortunately, I was scarred and agreed to start making payments. I have more money going out then coming in because of these payments to NY Rising. Any suggestions?

  11. Hi Evan, did you end up paying back NYR? I just received a similar letter and am having a problem paying back money that was used to rebuild my house

    1. Yes, I finished paying it back late last year. I gave up trying to fight it after involving every elected official I could think of and none of them could/would do anything about it.

  12. Evan

    I also was flooded similar to you and had no flood insurance and received a NYRising grant.

    Part of issue is a SBA loan is always DOB and you should have not applied.

    FEMA most likely gave a low payout as any part of house considered a basement which is even one inch below ground level a lowpayour.

    The driveway thing has nothing to do with Sandy

    Also NYR paid out folks for most part at what they estimated repair costs to be based on white appliances, Formica countertops, vinyl floors etc anything extra not covered.

    You are not in a flood zone so no permits etc would have been asked for so Best route would be do work yourself or hire cheap handiman and have all work done prior to first inspection.

    But flood insurance and be thankful you are not in a flood zone

  13. After reading through the numerous post-Sandy horror stories posted here and living with this ‘noose’ around my neck for nearly 6 years now, I have come to the conclusion that if you don’t live in certain privilege zip codes (i.e., Long Beach, the Hamptons) NY Rising doesn’t give a flying monkey whether or not you ever get back into your home. I thought my battle was unique, but after reading some of the stories posted here, I know it is not. I think all the people who posted on here should find a way to meet up and start a class action lawsuit against NY Rising. They have our hands tied, and I don’t see any forward movement forthcoming anytime soon.

  14. I have a lawyer friend who said your pricing was completely mismanaged and the money was given to an inappropriate agency to distribute to the public now it’s a secret who is actually administering the entire project. I would gladly join a group if we could find a lawyer that would be willing to take the case. However I contacted The Nassau county bar association. They gave me two lawyers I left messages for them two weeks ago and I’ve had no reply. They didn’t seem to think that there was any Nassau County lawyers that they knew of the willing to take on this case. It is extremely convoluted. Please contact me if you have any other information. If I get any information I will post it.

    1. I am on my third lawyer in this matter, and we have gotten nowhere with NY Rising. They seem to have their own laws, which are definitely not in our favor. I had 3 hardship – 3 – applications turned down. I don’t know what their definition of a hardship is, yet I see in Newsday people in certain areas getting hardships approved for a mere foundation – when I can’t get a whole house completed!! I have contacted numerous attorneys from Suffolk County to Manhattan, and no one wants to go near this thing.

  15. I think we have to all keep bombarding the Governor directly with e-mails, letters and calls. Don’t know where else to go.

      1. I started googling for an attorney that does Class Action on Long Island … a lot of numbers came up…If anyone has the time in the next few days to make some calls and get some feed back from the lawyers.
        Just google class action attorneys Long Island
        I will follow up when I get home from work

  16. Similar situation – 96 year old mothers house – ny rising 163k estimate, no flood insurance, FEMA paid 16k should have been 31k, insurance paid 10k, 12 case managers, 8 inspections, 7 ECR updates, ny rising considered FEMA and insurance as DOB but none items were included in ECR – we had 5 feet of water in basement but AA said HVAC ok,
    finally paid for part of furnace and boiler,
    – denied hardship, NYR had list 69-100k additional scope, pre-award work, corrections, change orders items found during Samdy construction
    – cp2gl architect left replacement submitted 6100 only for elevation and mitigation design, elevation assuming 5.5 feet elevation ignored additional scope inspectors confirmed
    • ny rising were assisting scope based bills & edtimates – last minute required 6100
    • only been able to live in house a few months/year – insurance hasn’t paid “loss if use”

  17. Jeez. Lord have mercy. NY Rising is the new gov-run Suffolk County Child Support Collection Bureau. Anyone remember that nightmare, too? It was run by elderly first wives who knew nothing about accounting on computers and they made huge mistakes. NY Rising is no different. Their “program procedures and software’ was created by a Nassau County financial card shark, and even if you were fully flood insured like me, you were screwed right at the start without knowing it. The personnel hired to “work it” know nothing about insurance, engineering, land surveys, reading schematics, (and don’t even get me started on the 6100 form bs), county building rules & regs to rebuilding, etc. All foreign to these NY Rising employees. They were taken from NYS unemployment list and set out to help victims with a preset system that was just not going to help anyone but Gov Cuomo – because he was able to choose his real awarded projects wisely, those that were county or state projects in the millions that made him alot of friends. The common public with limited income he does not consider a friend. The proof is in the fact that each time a NY Rising employee saw where a small NY Rising project was shorted and began to correct issues, he/she was taken out of the Program and a new team was placed in it. Everyone around me who fell for the promise of award ended up paying at least ten thousand out of pocket to get back into their homes after repair & elevation – many paid more out of pocket for what was supposed to be gov aid. Most used their retirement funds to save their only lifelong investment. And its getting worse. Has anyone heard about the “enviro” detail of putting in new nitrogen fighting cesspool systems on top of your repair & elevation final walk-through? The cost is about $20,000 each home. Guessing no C/O will be issued without them. But hey, listen, NY Rising may give you $10,000 toward it! HA ha ha ha hahaha! What a deal when you’ve already lost all of your life-savings and investments over the last 5 years. I don’t know how to fix this, but I do know this is how revolutions start. People get tired of being sh*t on and they begin to lose their self-control & good manners when their backs are against the wall. Me, personally, I believe in karma. They’ll all get theirs. And if not them, then their loved ones. And like we’ve suffered, no one will be able to help them.

  18. We are in the same boat as all of you. NY Rising gave us an award, they paid right along through each phase and inspection. They explained that. we would need to secure a loan to lay out the last 83,000 but that after final inspection we would receive a check for that amount in 6 weeks. Mind you, we have printouts of it in writing.

    That was 1 1/2 years ago and since then we have been told:
    1. that errors were made and they are not responsible
    2. We must have misunderstood
    3. No one told you that, prove it, when shown all their own documents they went back to, it was a mistake we are not responsible.
    4. Those case workers don’t work here anymore and you could start again. Mind you, we are completed reconstruction and living home over a year. Sure, we should just knock it down and start again, yeah sure just for you and you will be canned just like the last 6 case workers.
    5. There was no final inspection. When presented with the message he left me afterward as well as his name and an email he sent, I was then told he no longer works there and they couldn’t find the papers! I should redo the inspection or refund everything.

    I could go on, but I am sure everyone got BS stories when calling there. I contacted a Peter King. They could not help us. They put us into debt.

    If there is a class action lawsuit you will have several families here in Babylon Village. They did similar to other neighbors right on our block. It’s horrible.

    1. We really need to band together and start a class action against NY Rising. Several people on this blog have indicated that they would be interested. How can we accomplish this? Any thoughts?

  19. Has anyone had any success at all? Any ideas on who we can contact? Does anyone have Governor Cuomo’s email address? I’ve called his office 1 million times and either nobody answers the phone or nobody gets back to me. I just received my final review after appeal and they were telling me I owe them $32,254.54.

      1. I was told by New York rising four years ago that when Coumo was up for reelection he just gave out all of the money to get votes. You would think now that he is again up for reelection he would be rethinking his mistake and helping us out! I wonder how Cynthia Nixon feels about this!

  20. Sad to hear so many similar stories.
    Did anyone at least get to negotiate down what they owe back?
    HVe been fighting myself….

    1. I literally just gave up after fighting them for years! Tried every congressman/woman, 7 on your side, attorneys! Nothing!!! Literally just signed the paperwork today… I’m on the 10 year repayment plan!!!!! Totally sucks!!!!!

  21. I recently received a lawsuit from an attorney on behalf of NY Rising to recover the over $50k they “granted” me. I am currently looking for an attorney to fight it and will gladly join any suit or take any advice.

  22. NY Rising has failed to understand that the money paid to me by insurance for things that NY Rising did not cover should not count as duplication of benefits. Let’s say NY Rising only paid me for A, and the insurance paid me for A,B, and C. I owe them back the amount the insurance paid me for A, which is the only thing covered by NY Rising. They say payment from insurance for B and C are also duplication of benefits and just cant seem to understand that it should not work that way. My file has been transferred from one case worker to another, different departments, they’ve screwed up “clarification” of what insurance paid me by telling me it was double what I actually got. I’ve sent documentation over and over and every time I follow up the case has been handed to someone else. Now it’s with the reconciliation department, and I spoke to the case worker five days ago. She was going to email me documents that they got showing what my insurance had paid me for. So great, because together we’d be able to see that if insurance paid for my deck and NY Rising didn’t then that insurance money isn’t a DOB because NY Rising had nothing to do with my deck. The email never came. I called two days later… she said she had to talk to her supervisor and that she’d email me after that. I called another two days later and was told she doesn’t work there anymore and now I have a new case worker who does NOT YET HAVE A TELEPHONE SET UP BUT WILL CALL ME WHEN SHE DOES. I am fed up. They were supposed to be a program that helps people who were having trouble related to Sandy. Now they say I owe them $35000 and they don’t want to share my file with me (which I should have a right to see, this is not a criminal matter, or corporate litigation, even a patient has the right to see their chart from a hospital). They don’t listen to reason, and dont treat me with dignity and respect. It’s disgusting.

    Like others here I consider a lawyer but don’t want to get rejected anymore. I’ll try writing to public officials, but as other people have said, they’re not much help. So I’ll have to go into debt to pay back money they don’t have a right to take back, simply because they don’t want to listen to reason and admit they’re miscalculating things and asking for money I don’t owe them.

    1. So, just so you know, I was told that they go to the city and take these people out of unemployment and force them to work there. Clearly they would rather stay home and collect unemployment so once They start working there they screw up and then they probably get fired or they quit or never come back and go back to collecting unemployment! These are the people that are in charge of our lives! And in charge of assisting in ruining our lives!

    2. I have retained 3 different attorneys to assist me with all the NY Rising nonsense, and not one has been able to do anything. They have their own ‘laws’, apparently. All of us who have blogged here about similar experiences should get together and start a class action suite against them. But nobody seems to want to proceed with such an action.

  23. Five years later I am being told to return $15,000 because of “duplication of benefits”, as well. FEMA’s estimation for repairs was $100,000. Allstate gave us $20,000. We received an SBA loan, which was repaid when the house was sold. NYRising gaves us $60,000+. So, in my eyes we were still SHORT $15,000. Can we think about a class action lawsuit to stop this?

  24. I have contacted News12. we need to start contacting various media Outlets. Nobody likes their name in the news, especially not a politician!

      1. Don’t bother. I was interviewed by News 12 4 years ago, and the reporter gave me all her contact info. and asked me to let her know of any progress, etc. with my case. There hasn’t been any progress for over 2 years. When I reached out to her, she ignored my email. Screw News 12. They are only interested in reporting on Long Beach or any upscale communities on the North Shore. Elitists.

  25. I tried News 12, Newsday, and every lawmaker from Steve Rhoads to Kathleen Rice to Steve King (even though he’s a different district) to Schumer and Gillibrand and Cuomo. Rice and Gillibrand at least replied but ZERO of the local reps even bothered that and nobody was any use. In my case it was cheaper to pay back the money than it would have been to fight them. They never bothered explaining how I went from a $193k award to a $36k award (“just ignore that” they told me!) and then ultimately zero?

    Someone should ask Cuomo about this at one of the gubernatorial debates coming up.

  26. Seems you were hoping to luck out with that 193,000 dollar amount which is ABSURD as you know. The damage your pictures show including the cost for basic appliances are under 50K. TOO MANY people got over from the storm and I am glad my tax money did not line your pockets from your ABSURD claims.

    I had twice as much damage as you show that only cost 75K to more than repair, I was smart enough to have insurance living on the water in Lindenhurst NY – SO DON’T BS ME!

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