Hurricane Sandy victims in Long Island NY, NJ and other areas are being told that their High Ranch homes are not covered b/c the NFIP defines their first floor (living space) as a basement. They are using insurance loop holes to reduce insurance payments. Meanwhile, American families are suffering, trying to pay out of pocket, or take out loans to fix their homes. In a high ranch, the first floor is a living space, not a basement. Just b/c you must go down (only) 2 steps. it does not mean it is a basement....PLEASE HELP US!!!!!! We are hard working American families, who pay taxes and insurance premiums. Then FEMA says that we don't qualify for aid b/c the NFIP paid for everything they would have paid for....what? This is just not fair! Again, please help us!
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